BOA has me irritated with CLI

[Anonymous]

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@audia4 wrote:

It's been 6 months since I called BOA and ask why I have had my cards for over 2 years with no increase and they said they would put it on my account that I'm interested in getting increases....DUH.

Well, I just got my first increase on one of the cards. From 8k to 11k. So it took 2 years and 7 months after obtaining this card for my first increase.

I just thought I would update

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Thanks for updating your thread and I'm glad you got some auto luv from BoA.

[Anonymous]

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@audia4 wrote:

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@noobody wrote:
My BOA card SL was 5K when they approved me 10 years ago.

Still 5K as of today.

Took a HP for CLI few years ago, declined for lack of usage.

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Did you ever try to call them (like I did) and ask them to "turn on the auto increase"?  I think it's super silly to have to call and tell them you want an increase...I mean why wouldn't anyone? But I guess that's the case with BOA???

I will never take a HP for these cards. Not worth it to me...especially since they are fairly decent amounts to begin with and I will really never actually "need" more on those (I have other cards for that).

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If you didn't need more, why was it an issue that BoA never offered you more?

[AverageJoesCredit]

I would think we all wanna be loved and in the cc world, no better love than auto luv

[audia4]

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@AverageJoesCredit wrote:
I would think we all wanna be loved and in the cc world, no better love than auto luv

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  EXACTLY! The more the merrior I say.

[Anonymous]

I can understand folks wanting to get SP cli's if they are patient.  I am just thankful BOA allows HP increases, as well as Citi, even when the request increase link isn't visible.  Granted you'd want to wait until the account was 4-6 months old before attempting this.  My amtrak card has grown from 2100, to 3100 via sp, to 15k via hp, and 25k that did not cost a HP (there was a HP to make the joint account just mine though).

As always YEMV/YMMV, my profile with over 20 inquiries, hasn't caused any issues (see also, recent discover approval at 15k).  Inqs could be hindering a few APR reductions but that is more than likely due to new accounts.  I would rather take a HP for a one and done CLI with BOA vs take a triple hit with cap1 and be mandated by their 6 month timer, and highly unlikely see any significant permanent APR reductions.  BoA and Citi are a win win in my book.  I do admire capital ones rewards program, their less frequent AA for folks in hard times, and bt offers though.

Sometimes a persons profile and finances change.  You might get married, get a raise, get a second job, etc.  So as our needs change, I feel its paramount that a bank should be willing to adapt within reasonable means to the consumer.

Capital one should also offer its wemc for either 1 or 2 inquiries if a person is prequalified.  Especially if its the 13.xx rate.