BoA to stop HPs for CLI’s

[celluloid17]

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@ChessChik47 wrote:

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@celluloid17 wrote:

I really hope this isn't resulting in HPs.  The fact that they haven't changed their verbiage when you hit the luv button gives me pause.  I really want to try for an increase, but not enough to incur a HP.  I've had my BBR since 2014 and my instant approval amount was $5000, but I then applied for the Fidelity Amex less than two months later (a mistake!) and they wouldn't approve me for that unless I moved some of my BBR CL to it because I didn't have enough of a credit history with them to justify issuing me more credit, so I moved $3500 and was left with $1500 on the BBR.  Long story short, the Fidelity Amex is long gone and I closed it not long after it was taken over by Elan and converted to Visa.  My BBR has been stuck at $1500 ever since.  Like most of the users on this forum, I use that card strategically for the quarterly bonuses only, but I'd still like to see a bit higher of a CL (I'd be happy to have it brought back to the original $5000!).  I'm not making any moves until I see what the results are for others.

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So far so good regarding the soft pull action....my Transunion alerts are very fast, almost immediate (my last one was in January when I attempted to increase the BOA card and was denied because I hadn't waited 3 months since the previous increase).   Good luck to you when you finally decide to pull the trigger!  

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Thank you so much for that and your data points are encouraging!!

[QuakerOatmeal]

None of my replies are going through and I when I go to retry it says I've been marked for spam :3 Don't know why!

**** Original Post****
No CLI luv button for me this morning. 

My Cash Rewards card turned 6 months old this month, Premium Rewards turned 3 months old. All together I'm using 11-12k a month on them making multiple payments a month posting zero balance.

Going to call and do my best to get some love with the excuse of "well I use it a lot and my life would just be easier if I didn't have to make a payment everytime I sneeze!

Also hoping that since I'm in the universally adored platinum honored preferred club that they'll look more kindly to my request 0:-)

****Update****

Called in requested an increase from 3k to 12k on cash rewards, asked about if it would be a HP or SP was told HP.

Got the 12k! Then moved 5k to premium rewards for a total of 10k CL and left 7k on cash rewards. 

It was a good morning, now hoping I asked for more! 

[Anonymous]

So, no luv buttons for either of my BOA cards, but I did just get an increase on 3/23 from $600 to $2000 via a phone call that resulted in a TU hp, and then opened a Cash Rewards within 30 days of that hp (4/15).

Does this mean I can request another cli via a sp on (or after) 6/23 on my old BankAmericard, and another on 7/15 on my Cash Rewards card?

Thanks for the info guys! You're all great!

[SOGGIE]

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@Time2letgo wrote:

Congrats to all who got some luv from BOA. Didn't want the gravy train to run out on me so I requested mine as well.

Current line $10,000 asked for double they countered with $18,800. 

 

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Congrats! Nice CLI. You state that they counter offered. Was that a phone request?

[coldfusion]

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@Anonymous wrote:

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@Anonymous wrote:

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@AverageJoesCredit wrote:
Dang it ! I just woke up Sorry guys, No coffee and Mondays = Epic AJC BOA FAIL hAPPy April Fools?

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What does this mean, Joseph? Did you get the increase or not?

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Hopefully he did. 

 I think epic fail is my same epic fail....left monies on table?

I didnt shoot for the stars....darn shoulda asked for more

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You can hit the luv button again >today< and request another increase,  the 2nd increase will go to manual review.  You need to do it today as it will disappear overnight during their daily batch run. 

[AverageJoesCredit]

Lol, watch myFico shut down Boa within 2 days

Also fyi I did apply with locked reports. Not that it matters but if anyone wants me to go for a second letter I'll unlock and show Boa who is boss

[QuakerOatmeal]

Called in requested an increase from 3k to 12k on cash rewards, asked about if it would be a HP or SP was told HP.

Got the 12k! Then moved 5k to premium rewards for a total of 10k CL and left 7k on cash rewards. 

It was a good morning, now wishing I asked for more! 

And no reports of a HP yet!

[galahad15]

Of the 4 BoA cards I have, I used the luv button on 2 so far, with the following results below:

1.  Cash Rewards WMC:  instant CLI from $11,100 -> $20,000

2.  BBR card #1:  instant CLI from $2,100 -> $10,000

[ChessChik47]

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@AverageJoesCredit wrote:
Lol, watch myFico shut down Boa within 2 days

Also fyi I did apply with locked reports. Not that it matters but if anyone wants me to go for a second letter I'll unlock and show Boa who is boss

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+1 LOL!!!  

[Anonymous]

I went for it and got the 7-10 day message, no HP alert yet.

They have always been really stingy with me on this card, the card is 12 years old.

Income in the 6 figures, TU from the BoA site 828. Total Personal Revolving CLs $106750

Currently at $16,100, requested $32,200.

The only thinkI can think of is it a 3-2-1 card with single digit APR and maybe that doesn't work for them.

EDIT:  Now showing $26,600 credit line.  Those of you with 7-10 message, go back and look again!