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BOFA CLI questions..

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Anonymous
Not applicable

BOFA CLI questions..

Sorry if these have been posted already, but I was wondering, who does BOFA pull for CLIs? I know they pull EX for apps, like they did mine. Also when does the CLI button show? 6 months? I've just had my second statement cut this week with the cash rewards credit card, love it! Thanks in advance!
16 REPLIES 16
Namaste7
Established Contributor

Re: BOFA CLI questions..

TU. I'm not sure if there is a consistent rhyme and reason on the appearance of the love button; I assumed multiple factors are involved.
~~MMXX~~
2025 Goal$
2024 Goal$
2023 Goal$
FICOs 780+
Message 2 of 17
Anonymous
Not applicable

Re: BOFA CLI questions..

That's what I thought, since they provide a TU FICO score lol
Message 3 of 17
Grabiela
New Contributor

Re: BOFA CLI questions..

They always pull Transunion.

Message 4 of 17
ScoreOrBeScored
Valued Contributor

Re: BOFA CLI questions..

button shows up within 3-6 months. Just have to wait it out

Message 5 of 17
Anonymous
Not applicable

Re: BOFA CLI questions..

Look around.  It should always be there.  They will give you an auto cli every 6 months.  I started about 5 yrs ago with a secured card for 400.00 beause I needed another trade line for a mtg.  Never thought much about it since it was always pay for everything.  No cc's.  So almost 18 months ago I decided to app for a real BofA cc.  Got 12k limit and it is now 26k.  And you don't need a zero balance to get there.  I never asked for a cli.  Did a couple of BT's with them also.  Very good to deal with imo. Smiley Wink  Congrats on your BofA card!  Woman Very Happy

Message 6 of 17
Anonymous
Not applicable

Re: BOFA CLI questions..


@ScoreOrBeScored wrote:

button shows up within 3-6 months. Just have to wait it out


It will show up, but I would not press it until at least 6 months after you open the account.

 

I preseed it as soon as it showed up, and had nothing to show for my trouble except yet another HP.  I hit it again at the 6 month mark, and got exactly the CLI I requested (at the cost of another HP).  Obviously, from what I just said, and from what I have heard from others, ALWAYS expect a HP from BofA.

 

Message 7 of 17
RonM21
Valued Contributor

Re: BOFA CLI questions..

It's TU normally and at the least, every 6 months would be when it should show up. But when it disappears and shows up can vary. They auto increased me in April and it disappeared until after my last statement at the end of June.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 8 of 17
AverageJoesCredit
Legendary Contributor

Re: BOFA CLI questions..

Hi guys!, i got it to show up around my third month, quite recentely as a matter of fact, with my Better Balance Rewards mc. Took the leap of faith and was approved for a 2700 increase so was quite happy. They are one reason id like to use my hps more intelligently as from what ive read and seen for myself, even though its a hard pull, with good responsiblity with your account and such their clis can be nice. I dont think ill ever get like 5 or 6 g increases as my income and profile probably wont allow but i was very surprised to get an increase after only 3 months.Luck to everyoneSmiley Happy
Message 9 of 17
JustBPatient
Established Contributor

Re: BOFA CLI questions..

Congrats on the bump, with usage and responsibility that card will grow!!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745
Message 10 of 17
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