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Bank America CLI or new card

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Anonymous
Not applicable

Bank America CLI or new card

My CRAs just cleared up and went from 680s to 740s.

Have a Cash rewards at 1500 used to be 500 partial secured.

Interested in Alaska or Travel rewards.

Unfortunately in my area they pull EX for new apps so can't use the TU CLI pull for app.

Should I go for a CLI first or the new card?

Was declined in October for INQ but had 2 negs at the time I don't have now

Thanks
Message 1 of 5
4 REPLIES 4
Anonymous
Not applicable

Re: Bank America CLI or new card

I'm in a similar situation and would like to know as well
Message 2 of 5
Peteyglad
Established Contributor

Re: Bank America CLI or new card

I haven't gotten a new BOA card in a while, but I have been very satisfied with their CLI's. 

Chase Sapphire Preferred 20k | Amex Delta Platinum 20k | Amex Hilton Aspire 20k | US Bank Cash+ 25k | Chase Amazon Prime 25k | Barclaycard Aviator Red 40k | Bank of America Alaska Airlines 42k | Chase Marriott 50k | Discover It 50.3k | Amex EDP 52k | Citi Thank You Premier 56K | Bank of America BBR 57.9k
Message 3 of 5
AverageJoesCredit
Legendary Contributor

Re: Bank America CLI or new card

Go for whats most important to you, a cli, or the new card. Since your profile has improved since last rejection you may come off better if you have to recon. Good luck on decisionSmiley Happy
Message 4 of 5
android01
Valued Contributor

Re: Bank America CLI or new card


@Anonymous wrote:
My CRAs just cleared up and went from 680s to 740s.

Have a Cash rewards at 1500 used to be 500 partial secured.

Interested in Alaska or Travel rewards.

Unfortunately in my area they pull EX for new apps so can't use the TU CLI pull for app.

Should I go for a CLI first or the new card?

Was declined in October for INQ but had 2 negs at the time I don't have now

Thanks

Go for the CLI which will be a hard pull on TU.  Shoot for the moon as far as CL. They'll counter or approve you outright.  They're good at giving a reasonable CLI based on your history with them. 

EQ Fico 8 - 850
TU Fico 8 - 850
EX Fico 8 - 850
Message 5 of 5
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