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BoA to stop HPs for CLI’s

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Frequent Contributor

Re: BoA to stop HPs for CLI’s


@piroskavalentino wrote:

@370Z wrote:

Just got a 5th CLI (2 hard then 3 soft). The progression has been: 5k - 10.1k - 17.2k - 27.6k - 44.2k - 50k.


Can you explain this? Were the two HPs after BOA decided to start doing SPs for CLI requests?


Yes, the 2 HPs were before BoA changed to SPs.

I believe the time between requests was 3/7/5/3/5 months.

EQ 1: 772 (3/19) 2: 824 (4/19) EX 803 (4/19) TU 795 (3/19)
Chase Freedom - 25.2k - 17.24% - 2/13 ~ Chase Hyatt - 5k - 17.49% - 6/13 ~ Amex Hilton - 9k -16.24% - 8/13 ~ Chase IHG - 5k - 17.49% - 1/14 ~ Chase Ink$ - 12k - 15.49% - 5/14 ~ NFCU $ - 25k - 11.90% - 12/14 ~ Amex ED - 10k - 15.24% - 1/16 ~ Citi AA - 29k - 17.49% - 4/16 ~ Merrill+ - 50k - 15.24% - 2/17 ~ USAA Limitless - 20k - 19.15% - 8/17 ~ Amex BB+ - 40k - 17.49% - 3/18 ~ PenFed Pathfinder - 10k - 12.99% - 9/18
Gone: CSP, AA x3, Ink+, TYP, CSR, FU
Message 811 of 869
Frequent Contributor

Re: BoA to stop HPs for CLI’s


@370Z wrote:

@piroskavalentino wrote:

@370Z wrote:

Just got a 5th CLI (2 hard then 3 soft). The progression has been: 5k - 10.1k - 17.2k - 27.6k - 44.2k - 50k.


Can you explain this? Were the two HPs after BOA decided to start doing SPs for CLI requests?


Yes, the 2 HPs were before BoA changed to SPs.

I believe the time between requests was 3/7/5/3/5 months.


Thanks for the update and DPs.

Amex BCE | Discover | Chase Freedom | Citibank DC | SYNCB | Barclay Rewards | BoA Cash Rewards | CapOne QS | Chase CSR | Chase FU | Amex Ascend | 2019 Goal: Gotta make it to 200k |
Message 812 of 869
New Contributor

Re: BoA to stop HPs for CLI’s

Current credit line: 6k

Ask for a credit line increase. I asked for 20k

They increased it to 13100. 

Lol, not too bad. I'm happy with it.

 

 

bof.png

Message 813 of 869
Established Contributor

Re: BoA to stop HPs for CLI’s

Another recent update. Back to back requests in this order:

 

- Alaska Air CLI to $20.9k from $11.6k. Requested $30k.

- Premium Rewards CLI to $48k from $30k. Requested $60k

 

3 months since last CLI for both. Current TU Fico 8 is 752. BK7 from 2011 on file. 

PR card is now the fastest growing card for me. A year ago, the CL was only $2k since I got it in 2013. It started as a plain Bankamericard or whatever it was called with no rewards that I remember. I PCed it to Cash Rewards a few years later, and finally to Premium Rewards once I got it past $5k with the first CLI last year.

 

BoA | Barclays | Cap One | Chase | Citi | Discover | PenFed | SYNCB (PP 2%, Lowe's, Amazon, PP Credit) | US Bank
Message 814 of 869
Established Contributor

Re: BoA to stop HPs for CLI’s

Just wanted to offer another DP. I requested a CLI today. I was about 4 months out since my last request. I wasn’t sure if I was going to get approved as my last request wasn’t wholly fulfilled but they did. Went from $38,000 to $45,000. I asked for $50,000.

I use BOA daily as one of my main cards even though it’s not my most lucrative in rewards. They’ve just always treated me well and I like doing business with them even if I’m not maximizing rewards on every swipe. No hard pulls of course.
FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 815 of 869
Valued Contributor

Re: BoA to stop HPs for CLI’s

Likely the last update for me.  Just over 3 months (92 days I think) since my last CLI and figured it was time to go for it again.  Better Balance Rewards from $40K to $50K and Cash Rewards from $35K to $49.9K.  Neither was instant as I waited for about an hour before receiving the confirmation e-mail on the BBR; never received one for the CR.  Ironically, the CR CLI was requested first hoping to get the full $50K for it.  The BBR had consistent use (~$25 per month) to get the $30/quarter, but I did put ~$900 on the CR this month to eliminate that as a reason for not approving the CLI.

EX EQ TU
Score 804 805 822
INQs 11 12 9
Last INQ 28 Dec 18
Message 816 of 869
Valued Contributor

Re: BoA to stop HPs for CLI’s


@BigBS wrote:

Likely the last update for me.  Just over 3 months (92 days I think) since my last CLI and figured it was time to go for it again.  Better Balance Rewards from $40K to $50K and Cash Rewards from $35K to $49.9K.  Neither was instant as I waited for about an hour before receiving the confirmation e-mail on the BBR; never received one for the CR.  Ironically, the CR CLI was requested first hoping to get the full $50K for it.  The BBR had consistent use (~$25 per month) to get the $30/quarter, but I did put ~$900 on the CR this month to eliminate that as a reason for not approving the CLI.


Congrats!  Another DP of someone at the $99.9K threshold. 

(3/2019)
FICO 8 (EX) 801 (TU) 814 (EQ) 791
FICO 9 (EX) 824 (TU) 825 (EQ) 824

$800K+ club
Message 817 of 869
Established Contributor

Re: BoA to stop HPs for CLI’s


@imaximous wrote:

Another recent update. Back to back requests in this order:

 

- Alaska Air CLI to $20.9k from $11.6k. Requested $30k.

- Premium Rewards CLI to $48k from $30k. Requested $60k

 

3 months since last CLI for both. Current TU Fico 8 is 752. BK7 from 2011 on file. 

PR card is now the fastest growing card for me. A year ago, the CL was only $2k since I got it in 2013. It started as a plain Bankamericard or whatever it was called with no rewards that I remember. I PCed it to Cash Rewards a few years later, and finally to Premium Rewards once I got it past $5k with the first CLI last year.

 


Yet another update, but this is DW's account. I'm posting because I made her get the card to have another annual companion fare Smiley LOL

 

Alaska Airlines approved with a $21k SL in Aug 2018. Growth after 6 months:

CLI to $33.6k in Nov 2018

CLI to $50k in Feb 2019

 

She has a squeaky clean profile, though. Fico 8 TU is 818. Very low UTIL 1-2%

I might be tempted to add myself as an AU if she gets to $100k Smiley Very Happy

BoA | Barclays | Cap One | Chase | Citi | Discover | PenFed | SYNCB (PP 2%, Lowe's, Amazon, PP Credit) | US Bank
Message 818 of 869
Contributor

Re: BoA to stop HPs for CLI’s

Rarely used this card and went from 6500 > 10000 Smiley Very Happy Card is barely couple months old. Kept checking my statement until it popped up. 

 

update: after my CLI posted I tried to CLI again, since the link is still showing up just to see what would happen. 10000 > 13000. It was approved Smiley Very Happy but got countered with 12100. Im still ok with that Smiley Very Happy 

Fico8 Scores: EX: 753 (3 Inq) TU: 745 (7 Inq) EQ: 745(3 Inq) (As of: 9/13/2018)
Message 819 of 869
Regular Contributor

Re: BoA to stop HPs for CLI’s


@awakening16 wrote:

Rarely used this card and went from 6500 > 10000 Smiley Very Happy Card is barely couple months old. Kept checking my statement until it popped up. 

 

update: after my CLI posted I tried to CLI again, since the link is still showing up just to see what would happen. 10000 > 13000. It was approved Smiley Very Happy but got countered with 12100. Im still ok with that Smiley Very Happy 


That's awesome to hear especially the double dip!! I sure hope it's both SP Smiley Happy

When did you app for this card?


Message 820 of 869