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BOA has me irritated with CLI

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audia4
Established Contributor

BOA has me irritated with CLI

I have a total of 3 BOA cards. Two of them I have had over 2 years. I have NEVER received an increase on any of them. I have always found that odd. Any CLI that I would ask for involves a hard pull with them and honestly, I'm not willing to take it. So, I have never hit the love button, but have always found it strange they have never given me an increase after this amount of time.

 

So tonight I decide to contact them (the most annoying rep "chat" convo ever...he was so confusing). Anyhow, in the end, they proceed to tell me that the CUSTOMER has to call them and tell them "Turn on my auto increase button"...like seriously? We are supposed to know that this is not something that automatically happens within your company like it does every other company that I have ever dealt with? We have to tell you that we want an increase when available?? Seriously?  I'm completely stunned at this. Anyone else with BOA had this same issue or had to "tell them" they want their auto increase button turned on?

 

So he claims he "flipped my button" and it will take about 3-4 months of them reviewing to offer an automatic increase.

 

I'm still stunned....

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 1 of 55
54 REPLIES 54
Anonymous
Not applicable

Re: BOA has me irritated with CLI

First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.

Message 2 of 55
Anonymous
Not applicable

Re: BOA has me irritated with CLI

Smh at Bofa...I guess the button is flipped to "on" now for auto cli. Wow haha. Just got to sit tight for another 3-4 months. Good luck!

Message 3 of 55
NRB525
Super Contributor

Re: BOA has me irritated with CLI

Can't say I've ever talked with a BofA CSR about CLI.

 

I did have higher limits on my older two BofA cards, along with hefty balances. This led to CLD balance chasing after the credit crisis hit, until early 2013 when the CLD stopped. At that point my BofA AMEX was at $12,700, down from $24,000 limit in early 2008.

In early 2015, they gave me an auto CLI on that AMEX of $3,000 to $15,700. It was a good day when I noticed that.

So it may be that they would tell me they turned on the CLI / CLD switch for me back in the day, and that results in the dynamic CL changes Smiley Happy

 

What is your usage on the three BofA cards? Limits?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 55
Anonymous
Not applicable

Re: BOA has me irritated with CLI


@Anonymous wrote:

First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.


+1

Message 5 of 55
Anonymous
Not applicable

Re: BOA has me irritated with CLI

I have received CLI's online and reduced interest rates in chat. When the option appears online for your card you can click and get consideration for a CLI.

Message 6 of 55
CreditMagic7
Mega Contributor

Re: BOA has me irritated with CLI


@Anonymous wrote:

First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.


Oh no something to hear like that is not new at all. (if it does actually exists)

 

Dunno about BofA besides OP's experience from that correspondence but i do know, and it's been posted as much, that Barclays has that "flip the button" thing in play for auto-cli's. So it's been told to some their cardholders anyway.

Or they used to anyway. Barclays might have even changed that after they pulled their prequal off air way back when but Barclays are the one's i first heard about a "auto-cli button" for computer generated auto raises to limits.

 

With BofA you CANNOT simply sit back and wait. You have to be proactive and go after the limit you expect. They are not softies and WILL require a solid HP but you bet your boots that they do make it well worth the pull for many here.

 

Bottom line is don't just relax and think no matter how well you handle all your accounts including BofA they will eventually SP CLI those cards because they won't, except some lucky few as of late who have been getting them like that.

 

If you need a better limit with BofA you MUST be aggressive and work for it and if that means a HP so be it.

Message 7 of 55
audia4
Established Contributor

Re: BOA has me irritated with CLI


@Anonymous wrote:

First I've ever heard of an auto increase button. I have a hunch this CSR was blowing smoke.


Yea, me too. I mean why is this the only company I have EVER dealth with that a customer would have to call in to ask for this mysterious button to be turned on? LOL

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 8 of 55
audia4
Established Contributor

Re: BOA has me irritated with CLI


@Anonymous wrote:

Smh at Bofa...I guess the button is flipped to "on" now for auto cli. Wow haha. Just got to sit tight for another 3-4 months. Good luck!


 Right...I was smh too.

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 9 of 55
audia4
Established Contributor

Re: BOA has me irritated with CLI


@NRB525 wrote:

Can't say I've ever talked with a BofA CSR about CLI.

 

I did have higher limits on my older two BofA cards, along with hefty balances. This led to CLD balance chasing after the credit crisis hit, until early 2013 when the CLD stopped. At that point my BofA AMEX was at $12,700, down from $24,000 limit in early 2008.

In early 2015, they gave me an auto CLI on that AMEX of $3,000 to $15,700. It was a good day when I noticed that.

So it may be that they would tell me they turned on the CLI / CLD switch for me back in the day, and that results in the dynamic CL changes Smiley Happy

 

What is your usage on the three BofA cards? Limits?


My BOA are as follows:

 

BOA Cash Rewards Visa-opened feb 2014 with a limit of $6k

NCL BOA-opened feb 2014 with a limit of $8k

Nursing Visa Signature open 6 months ago with a limit of $11k

 

Never late on ANY of my cards. Always PIF either before cutting or at cut. So $0 balance on cards. Perfect credit. No baddies. Scores are in my signature.

TU: 819 EQ: 821 EX 811


**$7500****$30,000*****$13500****$42,200****$10,000***$10,700*****$6000****$11,000*****OPEN****OPEN******$27,000*****11,000



Message 10 of 55
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