BankAmericard New CLI Question

[Anonymous]

I recently saw that BofaA has stopped doing hard pulls on CLIs. I have the BankAmericard that started out as secured card with $300. It graduated on time and I took a HP to request a CLI for $2500. They countered with 1100 and I accepted. That was a few months ago. Ever since graduating I have never seen the LUV button even once the implementation of the new no hard pull CLI. So I have a few questions.

1. Are previouly secured cards exempt from increase?

2. If I product change to a different card will that change the "card bracket/bucket" Im in?

3. What cards ARE available to get CLIs at BofA?

4. If you call in and request a CLI is it still not  a HP?

If I cant do anything with this card I may consider closing it because it is essentially useless. I was a builder card and my current oldest card(might have to sock it)

Thanks for any insight!

[Anonymous]

I only have insight on your first question - My card started as a secured card $500 deposit/$500 CL. I opened it 4/2014. Received the deposit back 8/2016  CL went to $2500, 8/17 CL to $5500. Both of the increases were auto, I did ask for an increase  last month. Asked for $10K and was instantly approved. I personally don't think the card is bucketed. 

When did you open the account? What were you scores when you requested the $2500?

[Anonymous]

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@Anonymous wrote:

I only have insight on your first question - My card started as a secured card $500 deposit/$500 CL. I opened it 4/2014. Received the deposit back 8/2016  CL went to $2500, 8/17 CL to $5500. Both of the increases were auto, I did ask for an increase  last month. Asked for $10K and was instantly approved. I personally don't think the card is bucketed. 

When did you open the account? What were you scores when you requested the $2500?

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I opened the account 5/2017. My scores were TU: 700 EX: 680 EQ: 672

[AverageJoesCredit]

You can call in a request a cli. It shouldn't be a hp as no one has reported a hp yet since the implementation of this new policy. Your scores are good, if your income is good I believe you'll have a good shot. I dont believe you get bucketed per se with Boa and if the card is a credit card and is from Bank of America they qualify for cli when qualified. Good luck

[K-in-Boston]

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@Anonymous wrote:

I recently saw that BofaA has stopped doing hard pulls on CLIs. I have the BankAmericard that started out as secured card with $300. It graduated on time and I took a HP to request a CLI for $2500. They countered with 1100 and I accepted. That was a few months ago. Ever since graduating I have never seen the LUV button even once the implementation of the new no hard pull CLI. So I have a few questions.

1. Are previouly secured cards exempt from increase?

2. If I product change to a different card will that change the "card bracket/bucket" Im in?

3. What cards ARE available to get CLIs at BofA?

4. If you call in and request a CLI is it still not  a HP?

If I cant do anything with this card I may consider closing it because it is essentially useless. I was a builder card and my current oldest card(might have to sock it)

Thanks for any insight!

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The button usually comes back about 3 months after your last CLI.

1.) No.

2.) No; as far as I am aware, BoA doesn't bucket cards/accounts over time.

3.) All of them.

4.) There have been no reports of HPs for CLIs since the new policy began.

[JR_TX]

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@Anonymous wrote:

I recently saw that BofaA has stopped doing hard pulls on CLIs. I have the BankAmericard that started out as secured card with $300. It graduated on time and I took a HP to request a CLI for $2500. They countered with 1100 and I accepted. That was a few months ago. Ever since graduating I have never seen the LUV button even once the implementation of the new no hard pull CLI. So I have a few questions.

1. Are previouly secured cards exempt from increase?

2. If I product change to a different card will that change the "card bracket/bucket" Im in?

3. What cards ARE available to get CLIs at BofA?

4. If you call in and request a CLI is it still not  a HP?

If I cant do anything with this card I may consider closing it because it is essentially useless. I was a builder card and my current oldest card(might have to sock it)

Thanks for any insight!

---

I was in the same situation as you are back in 2015. Had a 99/500 card opened June that year. Although it got completely unsecured in 6 months, it never saw a CLI in a year so I decided to app for a new Cash Rewards then closed and combined the limits on the 2 cards. That CR card now has an $11.5K limit. 

You obviously has 2 choices;

One, to wait it out and hope for a CLI on your current card, or two, app for a new one then close/combine CL on another card. 

I didn’t care much for HP and New Acct (AAoA) back then that’s why I took the latter option.

YMMV and the decision is obviously yours to make.

Best of Luck and please keep us posted.

[Anonymous]

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@Anonymous wrote:

I only have insight on your first question - My card started as a secured card $500 deposit/$500 CL. I opened it 4/2014. Received the deposit back 8/2016  CL went to $2500, 8/17 CL to $5500. Both of the increases were auto, I did ask for an increase  last month. Asked for $10K and was instantly approved. I personally don't think the card is bucketed. 

When did you open the account? What were you scores when you requested the $2500?

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Is this your primary card? Can you give a few data points? Just curious on how you were able to get a 10k increase.

[Anonymous]

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@AverageJoesCredit wrote:
You can call in a request a cli. It shouldn't be a hp as no one has reported a hp yet since the implementation of this new policy. Your scores are good, if your income is good I believe you'll have a good shot. I dont believe you get bucketed per se with Boa and if the card is a credit card and is from Bank of America they qualify for cli when qualified. Good luck

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Ok thanks... wasnt 100% sure if you could call in. Most of the post on here were saying they had the button show up and thats how they requested thier CLI.

[Anonymous]

wrote: 

I was in the same situation as you are back in 2015. Had a 99/500 card opened June that year. Although it got completely unsecured in 6 months, it never saw a CLI in a year so I decided to app for a new Cash Rewards then closed and combined the limits on the 2 cards. That CR card now has an $11.5K limit. 

You obviously has 2 choices;

One, to wait it out and hope for a CLI on your current card, or two, app for a new one then close/combine CL on another card. 

I didn’t care much for HP and New Acct (AAoA) back then that’s why I took the latter option.

YMMV and the decision is obviously yours to make.

Best of Luck and please keep us posted.

Nice! Have you tried for a CLI since the new policy with any luck?

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[AverageJoesCredit]

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@Anonymous wrote:

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@AverageJoesCredit wrote:
You can call in a request a cli. It shouldn't be a hp as no one has reported a hp yet since the implementation of this new policy. Your scores are good, if your income is good I believe you'll have a good shot. I dont believe you get bucketed per se with Boa and if the card is a credit card and is from Bank of America they qualify for cli when qualified. Good luck

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Ok thanks... wasnt 100% sure if you could call in. Most of the post on here were saying they had the button show up and thats how they requested thier CLI.

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Just an example I have that button still showing and I can push it til I'm blue Boa wont give me any more. I always say if you are eligble for one theyll give it barring you meet their requirements. With over a year since your last increase I'd think you can at least ask.