Bank of America Automatic Credit Line Increase

[Kenny]

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@Anonymous wrote:

I have been a card holder with BOA (Platinum Plus) for 7 years, stuck at the initial approval limit of $1k. After many years of attempting the luv button only to get auto denied, I called the back door number yesterday and disputed my denial backed with my loyalty and commitment to BOA and my 100% ontime payment history with them. The rep approved my credit limit increase to $3k.

I checked my experian score/report directly from Experian this morning and saw it had resulted in a HP on experian and they were already reporting my CLI. However, my score jumped to 699, that's up from 550-ish across the board this past February! I can now confirm my Equifax FICO (MyFico reporting) is 689 and my Experian FICO is 699!

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Congratulations on your CLI and your score increase!

[Anonymous]

(I ONLY USE THIS FOR GAS 3% LOL WHEN DISCOVER NOT 5% GAS ANYMORE)

BEFORE GETTING FOOLED WITH A HARD INQUIRY CHECK THIS OUT FIRST! 

RE: BankAmericard Cash Rewards Platinum Plus Visa - XXXX Request a credit limit increase

08/25/2014

''I've had this card for some time without a credit limit increase. Am i eligable for a credit limit increase without a hard pull credit inquiry (soft pull only) ? thank you.'' 

Dear XXXXXXXXXX 

Thank you for your e-mail dated 08/25/2014 regarding a credit line increase request for your BankAmericard Cash Rewards Platinum Plus Visa -XXXX.

Allow us to inform you that every six months, we process soft pulls of credits to check if customers are eligible for a credit limit increase or for a lower interest rate. In your case, the next review will be made on 09/2014..

If you would like to request a credit line increase without having to wait for the automatic review, you can reply to this e-mail with the following information:

- Your annual salary. Note: Federal law requires that we collect income information to determine your ability to pay. Any additional income. Alimony, child support, or separate maintenance income need not be revealed if you do not wish it considered as a basis for repayment.  Please include the source of any additional income (ex. spouse and occupation)
- Your occupation
- Whether you rent or own your residence or are in the process of purchasing your home
- Your monthly rent/mortgage
- The requested amount of your Credit Line Increase
- Current Employer
- Current Position
- Time on the job
- Physical address
- Country of citizenship
- Call Back Number

We appreciate the opportunity to assist you online. Should you have any further inquiries, please e-mail us again. Thank you for choosing Bank of America. We hope you have a nice day.

Sincerely,

Bank of America

'' I will wait until 09/2014 if that is the case. Thank you. I appreciate it.''

So for those who say ''oh they always hard inquiry'', yes but first ask when is your next ''review'' blah blah and save yourself a hard inquiry from bank america hard heads. 

[ATLButtrFly]

I am a UW in Home Equity Department and relationship makes a huge difference there! So I am sure it makes a difference in the credit card department also.  😉

[Christina_xyt]

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@JAY305 wrote:

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@Anonymous wrote:

My BOA card gave me a auto cli from 800 to 1.4k. I then requested a CLI to 5k which they approved but that cost me a HP.

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Do you have other BOA relationships i.e. checking, savings, investment?   I bank primarily with Citi.  However, I do have a checking, savings and Merrill Edge account with BOA.  The combined balances for these accounts is less than 1.5K.  

I was wondering if shifting more of my banking to BOA  would help my chances of an automatic CLI.  

Nope. I had average over 10k in boa saving and checking accounts fro more than half years and constantly spent over 4k per month on that card. Never got an auto cli

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[Anonymous]

BOA was my first credit card. I got my plat plus 7 years ago and I have received auto line increases: 2500>4000>6000>9000. Last one I got was some time last year. I called them once to reduce my APR and they did too. I recently PCed that card to a BBR by contacting them as well.

[Anonymous]

I've held BofA credit cards for 20+/- years and have never gotten an automatic CLI with the exception of a change in my banking relationship.  I would not hope for a CLI.  It is almost always a hard pull.  Even reallocation of credit line now requires a hard pull

[Anonymous]

yup. now someone tell me how i can add credit card icons and that garden root under my signature ?  

[09Lexie]

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@Anonymous wrote:

yup. now someone tell me how i can add credit card icons and that garden root under my signature ?  

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http://ficoforums.myfico.com/t5/SmorgasBoard/THIS-IS-HOW-YOU-ADD-CREDIT-CARD-PICS-TO-YOUR-PROFILE/td-p/2262839

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-August-2014/td-p/3301818

[Anonymous]

thank you. will check it out 

[techiegirl]

I have 10 years banking and credit card with BofA and never had an auto CLI with them. I've don't the PIF thing and carry balance. Made no difference.