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BoA to stop HPs for CLI’s

Frequent Contributor

Re: BoA to stop HPs for CLI’s

Hmm nice. Guess I’ll request a CLI on 3 of my cards Monday although I was denied a month ago lol
Amex Gold NPSL, Amex HH 1k, Amex SPG 1k, AMEX Everday 7k, BOA Cash Rewards 8.2k, BOA Better Balance Rewards 2k, Care Credit 15k, Chase Hyatt 7.4k, Chase Amazon Visa 13.5k, Discover 6.5k, Nordstrom Store 4.5k , Fidelity Visa 10k, Cap 1 Venture 15k, Cap 1 Savor 10.5k, Citi DC 4.4k, Citi Advantage Platinum 7.5k, Citi Premiere 5.2k
Message 11 of 810
Valued Contributor

Re: BoA to stop HPs for CLI’s

If anyone tries this please be sure to report back.

I’ve got the CLI link on my accounts but I’ve been waiting until I’m ready to app (again) for the Premier Rewards card so I could get them to pull TU for all of it. However if they don’t pull I may just go for the CLI now and just take the EX pull for the new app later.
Message 12 of 810
Member

Re: BoA to stop HPs for CLI’s

i just recently recieved an Auto CLI from them...

should i be good to go to request on monday? lol

they are about to get pounded out

Scores Via CreditKarma TU 761, EQ 761

BOA Cash Rewards 43,400 CL
Chase Sapphire Preferred 19,000 CL
Discover IT 21,700 CL
American Express Everyday 20,000 CL
American Express Blue Cash Everyday 15,000 CL
Citi Double Cash 21,000 CL
Citi Diamond Preferred 17,100 CL
Sync Care Credit 18,000
Chase Freedom Unlimited 9,500 CL

AAOA 8 years, 8 Months
AA 4 years, 11 Months
Message 13 of 810
Community Leader
Senior Contributor

Re: BoA to stop HPs for CLI’s

If only Chase would follow suit...
FICO 08 Scores (Nov-18): TU 783, EQ 791, EX 771

Message 14 of 810
Valued Member

Re: BoA to stop HPs for CLI’s

This is great news! I wonder if it'll be a 6 month cycle per card, or per account (like AMEX)?


@simplynoir
Starting Score (01/26/2018):
Current Score (06/6/2018):
Last App: 05/07/2018 / In the Garden Until: 05/14/2020

Message 15 of 810
Community Leader
Senior Contributor

Re: BoA to stop HPs for CLI’s

Well this is good news.  I've got 4 cards with them now.  Would be nice if they'd extend the no HP to those wanting to reallocate limits.  

Message 16 of 810
Valued Contributor

Re: BoA to stop HPs for CLI’s

Oh man if this is true I will be hitting them up for an increase on my BBR (itself opened from credit reallocation from my Visa back in '09). I will, of course, let you all try it first and report back Smiley LOL Daddy isn't trying to get a bunch of HPs. 


Message 17 of 810
Valued Contributor

Re: BoA to stop HPs for CLI’s

SWEET! My last increase was right before Christmas last year. I have the link right now so I might test the waters on this next week and ask for another $5k or $10k. Even though I don't really need it- it would put me closer to having my first $50k CL.
BUSINESS
Message 18 of 810
Established Contributor

Re: BoA to stop HPs for CLI’s

Great info OP! BOA will be inundated with requests beginning next week for sure.


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 19 of 810
Mega Contributor

Re: BoA to stop HPs for CLI’s

Wonder what motivates this.    I assume that there is no great gain for BoA getting myFico-like people requesting CLIs that they will never use, and normals that actually need a credit line increase probably don't know or care about HPs.   So maybe it is just cost-saving, guessing that doing a SP is cheaper than a HP

Message 20 of 810