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BoA to stop HPs for CLI’s

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Frequent Contributor

Re: How often for BOA CLI?


@kudosalert wrote:

what was your SL? i started at 3200 back in May. will finish the 1k spend to get the sub. would like to get CLI to bring down my utility and have a somewhat more useful CL.

 

 


My SL was 8k , apped about 5 years ago.

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 911 of 961
Frequent Contributor

Re: BoA to stop HPs for CLI’s


@yapsalot wrote:

@yapsalot wrote:

Update: had a credit line increase on June 22, 2018 from $30k, where it had been for several years, to $48k. Was a soft pull. Just requested credit line increase from $48k to $76k, B of A allowed an increase to $60,800. No indication yet of a hard pull but only been a few minutes. Thanks to the OP and all the contributors for helping me double this credit line in just three months!



Another update. Feb 15 2019 CLI from $60k to $80. June 25 2019 from $80 to $99.9. Very little usage less than $1k per month. FICO scores 836, 850, 850. Had card 12 years. Never asked for tax returns. No banking relationship with B of A. 


@yapsalot - How many lines of credit or CCs do you have with BOA?

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 912 of 961
Regular Contributor

Re: BoA to stop HPs for CLI’s


@piroskavalentino wrote:

@yapsalot wrote:

@yapsalot wrote:

Update: had a credit line increase on June 22, 2018 from $30k, where it had been for several years, to $48k. Was a soft pull. Just requested credit line increase from $48k to $76k, B of A allowed an increase to $60,800. No indication yet of a hard pull but only been a few minutes. Thanks to the OP and all the contributors for helping me double this credit line in just three months!



Another update. Feb 15 2019 CLI from $60k to $80. June 25 2019 from $80 to $99.9. Very little usage less than $1k per month. FICO scores 836, 850, 850. Had card 12 years. Never asked for tax returns. No banking relationship with B of A. 


@yapsalot - How many lines of credit or CCs do you have with BOA?


Just the one credit card.

Yapsalot
Message 913 of 961
Frequent Contributor

Re: BoA to stop HPs for CLI’s

Nice! thanks


@yapsalot wrote:

@piroskavalentino wrote:

@yapsalot wrote:

@yapsalot wrote:

Update: had a credit line increase on June 22, 2018 from $30k, where it had been for several years, to $48k. Was a soft pull. Just requested credit line increase from $48k to $76k, B of A allowed an increase to $60,800. No indication yet of a hard pull but only been a few minutes. Thanks to the OP and all the contributors for helping me double this credit line in just three months!



Another update. Feb 15 2019 CLI from $60k to $80. June 25 2019 from $80 to $99.9. Very little usage less than $1k per month. FICO scores 836, 850, 850. Had card 12 years. Never asked for tax returns. No banking relationship with B of A. 


@yapsalot - How many lines of credit or CCs do you have with BOA?


Just the one credit card.


 

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 914 of 961
Established Member

Re: BoA to stop HPs for CLI’s

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.

Message 915 of 961
Established Contributor

Re: BoA to stop HPs for CLI’s

I would request high and let them counteroffer. Ask for 99k
Message 916 of 961
Valued Member

Re: BoA to stop HPs for CLI’s

With your score, your depth to income ratio is the biggest factor limiting any credit increase. I'd suggest requesting at least 25k on one and if they approve it, suggest 35k on the 2nd one. Aim high.
FICO8's: 805 - 810 (Summer `19)
8% | $160K
Message 917 of 961
Senior 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.


You can submit requests for both the same day.    BTDT successfully. 

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

$800K+ club
Message 918 of 961
Established Member

Re: BoA to stop HPs for CLI’s

@coldfusion What does BTDT stand for?
Message 919 of 961
Senior Contributor

Re: BoA to stop HPs for CLI’s

 Been There Done That

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

$800K+ club
Message 920 of 961
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