cancel
Showing results for 
Search instead for 
Did you mean: 

BoA to stop HPs for CLI’s

Estimate your FICO® Score range for free

FICO® Score Estimator

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Frequent Contributor

Re: BoA to stop HPs for CLI’s


@Zerocool8 wrote:

Question for all in this sub.  I have two Bank of America cards I wish to try and get CLI for.  I have a Cash Rewards card that has been open since 2004 and a UPS Capital card that has been open since 2011.  I have banked with them for about 20 years and have investements with them through Merrill Lynch.  My credit score is roughly around 840 depending on the bureau and I am around 1% on my credit utilization.  My CL on one is $10k, the other $7500, and was wondering what size CLI I should do, granted I do very well financially.  Also wondering if I am able to do a CLI on both or is it similar to Amex where you can only do one at a time.  Thanks for any and all help, just trying to expand my credit and doing so a little late in the game.


I'd ask for a lot, especially if you have banked with them that long and hold steady $$ in there...it seems to have helped from what I have pieced together over the last few weeks with the 2 cards I have with them.

| BofA Premium Rewards $65k | BofA BankAmericard $30k | Amex Zync $5k | Amex ED $25k | Amex CashMagnet $20K | Amex Gold $45k POT | Amex Platinum | NFCU CR $17k | Discover it CB $15k | Capital One QS $5k |
Utilization 1% | AAOA 2yrs, 3months |



July 2019 - EQ8: 801 | EX8:804 | TU8: 814
Message 921 of 952
Established Member

Re: BoA to stop HPs for CLI’s

Do they just counter your offer if it's too high?
Message 922 of 952
Community Leader
Super Contributor

Re: BoA to stop HPs for CLI’s

Boa only counters if you are eligble for an increase but dont qualify for your asking limit. Amount asked means nothing imo.
Message 923 of 952
Regular Contributor

Re: BoA to stop HPs for CLI’s


@Zerocool8 wrote:
Do they just counter your offer if it's too high?

In my case, I asked for one amount, they came back with a notice saying I was approved at a lower amount.  All over the net and within seconds.

 

 

Starting Score: F8 720
Current Score: F8 784
Goal Score: F8 800


Take the myFICO Fitness Challenge

Message 924 of 952
Established Member

Re: BoA to stop HPs for CLI’s

I must have went too high, no counter offer, just got hit with the 7-10 day letter on one of the cards.  Didn't try the other one.  Does this mean it will now be a HP on my credit?

Message 925 of 952
Highlighted
Regular Contributor

Re: BoA to stop HPs for CLI’s

Wanted to add some DP's. Has been 127 days since last CLI - decided to hit the luv button. Was at 20.7k, asked for 50k and received instant approval for 30.7k, so a 10k CLI Smiley Happy

 

DP's below are fairly accurate except for one TU inq fell off a few days ago and UTI is down 2% from what is in siggy.

 

BofA CLI.PNG

 






Message 926 of 952
Senior Contributor

Re: BoA to stop HPs for CLI’s


@Zerocool8 wrote:

I must have went too high, no counter offer, just got hit with the 7-10 day letter on one of the cards.  Didn't try the other one.  Does this mean it will now be a HP on my credit?


Magic 8 Ball says No. 

 

You don't get a 7-10 day notice because you requested too high a CLI, you got it because the automated process determined you were ineligible for any CLI.  If you had been it would have counteroffered. 

 

Don't try for a CLI on the other card either at least until there's a final dispostion on your current request.   

(5/2019)
FICO 8 (EX) 790 (TU) 808 (EQ) 791
FICO 9 (EX) 829 (TU) 820 (EQ) 829

$800K+ club
Message 927 of 952
Frequent Contributor

Re: BoA to stop HPs for CLI’s


@Five6Two wrote:

Wanted to add some DP's. Has been 127 days since last CLI - decided to hit the luv button. Was at 20.7k, asked for 50k and received instant approval for 30.7k, so a 10k CLI Smiley Happy

 

DP's below are fairly accurate except for one TU inq fell off a few days ago and UTI is down 2% from what is in siggy.

 


Nice!  I'm scared to ask for anything else from B of A...I'll give it about a year...they've been good to me so far...I don't want ot push my luck lol.

| BofA Premium Rewards $65k | BofA BankAmericard $30k | Amex Zync $5k | Amex ED $25k | Amex CashMagnet $20K | Amex Gold $45k POT | Amex Platinum | NFCU CR $17k | Discover it CB $15k | Capital One QS $5k |
Utilization 1% | AAOA 2yrs, 3months |



July 2019 - EQ8: 801 | EX8:804 | TU8: 814
Message 928 of 952
Regular Contributor

Re: BoA to stop HPs for CLI’s

I’m sure they’ll take care of you, that’s some nice exposure you have with them currently!





Message 929 of 952
Regular Contributor

Re: BoA to stop HPs for CLI’s

Decided to go for the cli while I wait for US banks decision approved for 10K CL Smiley Very Happy

Message 930 of 952
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.