Re: BOA cli, normally hard or soft ?

avggoal700 · ‎04-09-2014

Hello ,

this question is for a friend, they already have a boa cc and boa just asked them do they want a cli. I know there is no guarantee and the easiest way is to just ask them but this friiend waited to answer them until they asked me is it normally a hard or soft. So best guesses? Thx.

edit: understand if you request boa cli it's normally HP.

EX 706. TU 705 EQ 682. Avg 698

emptypockets · ‎04-09-2014

It is usually a HP on TU.

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

yudeology101 · ‎04-09-2014

@emptypockets wrote:
It is usually a HP on TU.

+1.

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO ↑ 11) EX:686 (FICO ↔ N/C) TU:686 (FICO ↑ N/C) *8-5-14*

Overall UTIL: 14% *Gardening Since: 1/20/16*
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PrettyGyrl · ‎04-09-2014

Hard Pull TU. I just had that happen to me yesterday.

Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677
TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement
T minus 4 months until Operation EE!!
Goal: 750 Across the board! AMEX Approved! Living in the Garden

avggoal700 · ‎04-09-2014

Thanks for the responses, I just advised them against it based on your answers .

EX 706. TU 705 EQ 682. Avg 698

newhis · ‎04-09-2014

Do they do a HP in a full secured card that want to increase the CLI by adding money to the card pulled from the BofA checking account?

My wife asked to increase her limit from $500 to $1000. They asked for address, income, employer and if they will get the money from the checking account. She doesn't know if they did a HP or not. No score, no credit history, ssn new from early this year.

YahComb · ‎04-09-2014

it's probably a HP to add funds to a secured card (personal experience)

newhis · ‎04-09-2014

Thank you YahComb.

$500 was too low, so we needed to add more. We were planning on adding more money to the secured card but if they always do a HP we better wait 6 months to have a score and apply for other cards, and let the card graduate.

B335is · ‎04-09-2014

@avggoal700 wrote:
Hello ,
this question is for a friend, they already have a boa cc and boa just asked them do they want a cli. I know there is no guarantee and the easiest way is to just ask them but this friiend waited to answer them until they asked me is it normally a hard or soft. So best guesses? Thx.

edit: understand if you request boa cli it's normally HP.

BoA is typically HP (as understood), but I would still call and ask if it's eligible for SP increase. Chances are slim, but it has happened before.

revvystoke · ‎04-10-2014

How much weight do they give to balances carried on their card when they are considering CLI's.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769

BOA cli, normally hard or soft ?

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BOA cli, normally hard or soft ?