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BoA to stop HPs for CLI’s

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests


@SOGGIE wrote:

@bruisedcredit wrote:

Oh well. BOA givith and taketh away. Woke up to luv button completely removed after showing up for get this , the last 3 months without disappearing. Go figure. Guess no luv for me😕 Congrats to all getting increases!


Don't give up so quickly Bruised. Call in your request and be sure to get SP confirmation.


Hey SOGGIE, I just might give them a call. Let’s see how things play out within the next couple of days as K mentioned. 

 

 

 






Goals: Garden until 2020...Wait out last derogs...Watch inquiries drop like flies...Get under the elusive 5/24.
Message 91 of 841
Established Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests


@bruisedcredit wrote:

@SOGGIE wrote:

@bruisedcredit wrote:

Oh well. BOA givith and taketh away. Woke up to luv button completely removed after showing up for get this , the last 3 months without disappearing. Go figure. Guess no luv for me😕 Congrats to all getting increases!


Don't give up so quickly Bruised. Call in your request and be sure to get SP confirmation.


Hey SOGGIE, I just might give them a call. Let’s see how things play out within the next couple of days as K mentioned. 

 

 

 


Good luck! If they counter offer your request, that (calling) will be my preferred request method. 


Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

SCORES: Excellent · 830 to 848
INQUIRIES: 0
UNIVERSAL REVOLVERS: $200K Club
NUMBER OF CC ACCOUNTS: Less than 10
CARD USAGE: Minimal
CREDIT HISTORY: Very Lengthy · Seasoned Accounts
INCOME: Sufficient
UTIL: 1-2%
PYMTS: 100% Positive · Always PIF · AZEO
INSTALLMENTS: No thanks!
ASSETS: 100% Equity
TOTALLY REFUSE TO: Pay Interest or Annual Fees, Combine Accounts, Reduce Limits, Submit 4506-T, SCT, App Spree, Accumulate Inquiries, Do business with Comenity, Synchrony, Cap One, Wells Fargo, Citi, Barclays or any other credit-cancerous lending institutions
Message 92 of 841
Community Leader
Super Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests

Hey Guys, sorry to bear the bad news but yeah it was a dream . Lol, my humor can be awful when I wake up. I did just try hoping to bring you guys some good news but as always I got the 7-10 letter coming. When Boa says no more soup they mean it.

Thanks for the well wishes i dont wanna be the boy who cried wolf too many times or Dad will disown me. Congrats to all who are getting love and good luck to all those who doSmiley Happy I'll be over in corner of the garden taking my punishment cleaning all the holes in the toolshedSmiley Sad
Message 93 of 841
Moderator

Re: DoC reporting BoA to stop pulling HPs for CLI requests


@Asilomar wrote:

@ChessChik47 wrote:

@Asilomar wrote:

@K-in-Boston wrote:

Congrats on all of the BoA luv!  Still not sure from Joe's back-to-back posts whether there really was a $5k CLI or not, though.  Smiley Frustrated

 

I'll give this a day or two to settle to make sure that these are truly all SPs, and then we'll ask for $100,000 on DW's card again.  It's been a while since she got $70k as she's somewhat averse to HPs (somewhat less so when she gets $20k CLIs and nearly $30k SLs, though LOL).  Since we have the same reported income, I really want to know if they're going to cap her at $99,900 as well.  Her TU08 on BoA has been 791 each of the past 3 months, and I am sure she will get something.

 

BoA_CLI.png


I'm not sure Joe knows.  Smiley Wink

 

Going for a cool just-under-a-million, eh K?  


K, is that your way of making sure you don't leave anything on the table?  


That one is definately going to manual review.  


Well, as we all know (or at least those that have played around with the BoA CLI page), you can't actually ask for a million online:

borat.png

Message 94 of 841
Regular Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests

No CLI luv button for me this morning. My Cash Rewards card turned 6 months old this month, Travel 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:-)

Message 95 of 841
Established Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests


@AverageJoesCredit wrote:
Hey Guys, sorry to bear the bad news but yeah it was a dream . Lol, my humor can be awful when I wake up. I did just try hoping to bring you guys some good news but as always I got the 7-10 letter coming. When Boa says no more soup they mean it.

Thanks for the well wishes i dont wanna be the boy who cried wolf too many times or Dad will disown me. Congrats to all who are getting love and good luck to all those who doSmiley Happy I'll be over in corner of the garden taking my punishment cleaning all the holes in the toolshedSmiley Sad

DARN IT!

 

I was hoping it wasnt a dream :{



[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 20k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 14.5k][WalmartMC 10k][SearsMC 10k][Lowes 35k][Toyota 12.5k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $15.5k][Chase Ink $45k][PNC $25k]
Message 96 of 841
Senior Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests

Nevermind, Monday humor!!


 






Message 97 of 841
Regular Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests

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. Not bad, I have only used this card for BT but I'm thinking if I get another BOA card down the road, I can hopefully combine the limits. 

 BOA CLI.PNG

 

 

Work In Progress:
Current Revolving Personal CL: ~$395K


Current Revolving Business CL: ~$95K

Gardening Until Dec 2019 or Until All Scores are back above 800s

Message 98 of 841
Established Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests

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.

Message 99 of 841
Regular Contributor

Re: DoC reporting BoA to stop pulling HPs for CLI requests


@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.


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!  

Message 100 of 841