BoA Luv?

[andre181]

So I logged into my BoA Student Platinum Plus and saw the luv button finally. I have had this card since 6/2007 and never gotten an increase. Stuck at $500 CL.

Since, getting my higher limit cards I have been wanting to ditch it. Low CL, mediocre APR (17.99), and no rewards, it really serves no purpose. But its my oldest TL, so I would like to keep it open as long as possible.

 I know BoA does soft pull for CLI's so I went for it. Clicked it, entered income info, "You will get a letter in 5-7 day" message.

Are online CLI requests with BoA usually instant or do they require processing?

[Ron1]

I clicked CLI button for my BofA Accelerated Rewards Amex and it didn't give me instant decision.  It told me to call for instant decision. I didn't.  Two day days, they moved 5K from other account to my Amex.  By the way, some people got account closure or CLD by clicking CLI button in the past.

Ron.

[smc733]

Three points here:

1.  BofA CLI requests are ALWAYS soft pulls, (like Amex, a nice benefit)

2.  The Platinum Plus Student Card is trapped at low credit limits, $500/$700

3.  Do what I did, call them and ask them to convert it to the BankAmericard Cash Rewards (they love giving this card).  From here, request CLI and your request shall be granted.

[Anonymous]

I hit the BOA luv button two months ago and got the message that I should call their 800 number about it.  I decided to just forget it but next morning they called me to speak about it.  I asked for a 2k increase on my CL.  The CSR asked why I needed it (This reminded my of a job interview where they ask what the last book was that you read) and I fumbled around for an uncovincing answer but they approved.

[andre181]

@smc733 Thanks for that advice. I just called and PC'd to the BankAmericard Power Rewards Signature Visa (Cash Rewards wasn't available for me). Rep said once I get my new card, I can request a CLI!

Thanks to everybody else too!