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BoA to stop HPs for CLI’s

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Senior Contributor

Re: BoA to stop HPs for CLI’s


@Zerocool8 wrote:

@coldfusion Thanks! Yes, I got a letter.  It said your CLI has been approved, but it's lower than the amount you requested.  Basically said the full amount was not approved because "the amount of credit to you by us and/or affiliates meets or exceeds our maximums." Oh well, I guess I will have to work up to it.




Good!

 

You'll get there, it just takes patience.

 

Remember that whenever you see the "request a limit increase" link appear it means that they consider you eligible to request one.

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

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Message 941 of 957
Community Leader
Super Contributor

Re: BoA to stop HPs for CLI’s

Unless you are me where it is forever mocking meSmiley Wink
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2022
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Message 942 of 957
Valued Contributor

Re: BoA to stop HPs for CLI’s

Latest update...Cash Rewards limit now at $85K

 

Screen Shot 2019-07-29 at 5.07.35 AM(a).png





Message 943 of 957
Established Member

Re: BoA to stop HPs for CLI’s

So a few days ago I decided to apply for the cash card and it went pending. Last time I applied for a credit card was for the CSR card in 2016. I just got an email that my application got approved. They took 21k from my BofA premium card credit line. Now I'm at 129k. I still have request credit line increase for the premium card. No idea if I'm maxed out with BofA or should I pull the trigger and find out. Lol
Message 944 of 957
Senior Contributor

Re: BoA to stop HPs for CLI’s


@Trikoret wrote:
So a few days ago I decided to apply for the cash card and it went pending. Last time I applied for a credit card was for the CSR card in 2016. I just got an email that my application got approved. They took 21k from my BofA premium card credit line. Now I'm at 129k. I still have request credit line increase for the premium card. No idea if I'm maxed out with BofA or should I pull the trigger and find out. Lol

Since they reallocated CL from another card I think it's likely that you're maxed out right now.  You can always pull the trigger and find out, the request would probably be deferred for review by a senior analyst.   You should be able to rereallocate yourself with a phone call if they do something not to your liking.

 

(8/2019)
FICO 8 (EX) 793 (TU) 808 (EQ) 794
FICO 9 (EX) 822 (TU) 827 (EQ) 844

$800K+ club
Message 945 of 957
Super Contributor

Re: BoA to stop HPs for CLI’s


@MaizeandBlue wrote:

Latest update...Cash Rewards limit now at $85K

 


Sweet.  Not sure if you covered this earlier in the thread already and if so I apologize in advance, but what was your progression on this card starting with the SL to where you are today and over what period of time?  Thanks.

Message 946 of 957
Valued Contributor

Re: BoA to stop HPs for CLI’s


@BrutalBodyShots wrote:

@MaizeandBlue wrote:

Latest update...Cash Rewards limit now at $85K

 


Sweet.  Not sure if you covered this earlier in the thread already and if so I apologize in advance, but what was your progression on this card starting with the SL to where you are today and over what period of time?  Thanks.


It took less than 24 months to grow from a $2,000 starting limit and bear in mind that for the first few months each CLI was a hard pull so I didn't push hard for increases.  I had posted this in the approvals thread so I'll just copy it here.

 

8/23/17 - $2,000 SL - Visa Platinum approved

11/25/17 - $5,900

3/26/18 - $13,000

3/29/18 - Requested conversion to Visa Signature

7/3/18 - $23,100

10/6/18 - $37,000

1/5/19 - $50,000

4/29/19 - $70,000

7/29/19 - $85,000





Message 947 of 957
Frequent Contributor

Re: BoA to stop HPs for CLI’s


@MaizeandBlue wrote:

Latest update...Cash Rewards limit now at $85K

 

Screen Shot 2019-07-29 at 5.07.35 AM(a).png


Nice!  I think I'll give it a little time before I request a CLI.  

Message 948 of 957
Regular Contributor

Re: BoA to stop HPs for CLI’s


@AverageJoesCredit wrote:
Unless you are me where it is forever mocking meSmiley Wink

@AverageJoesCredit wrote:
Unless you are me where it is forever mocking meSmiley Wink

haha same with me here. lets see what happens next month. maybe they've seen that other companies have given me more credit and bump it up a bit.



BOA Americard $1000 | Sept. 2018-CLOSED Aug. 2019
BOA Travel Rewards $4200 | May 2019
Amex Hilton Ascend $15000 | July 2019
FICO 709
Next cards: Chase World of Hyatt (free night!) --> CSP --> Amex Platinum
Message 949 of 957
Established Member

Re: BoA to stop HPs for CLI’s

Good Afternoon Folks:

 

I just got a requested bump from $25k to $35k on my VSignature Cash Rewards today. I was going to also apply for the pre-approved Americard to use the BT option; should send that in the same day of the CLI request, wait a little while, or it doesn't matter since the new card will be a HP instead of a SP?

FICO8 TU 766 EX 792 EQ 790

My Wallet: AMEX Platinum / NAVYFCU Visa Signature $25K / NAVYFCU Flagship $25k / NavCheck $15K / Citi Rewards+ $14.8k / BoA Visa Signature $35K / Best Buy CitiBank $6.3k / Amazon GEMB $4.8k / DiscoverIT $9K / Chase Ritz-Carlton Rewards Visa Signature $14.3k .
Message 950 of 957
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