BofA CLI Question

[Anonymous]

I hit the LUV button a few minutes ago and got the "Call in for an Instant Decision".  I remember awhile back some people said not to even call in and they got a CLI.  Is this true?  Also, my current CL is 1500 and asked for a 3k CL.  Any thoughts?

[Anonymous]

yes its true. you can call for instant decision or you can wait until a credit analyst takes a look and you might or might not get a cli.

hope this helps.

[AF_23]

Dont call if you havent had the card for 6 months IMO.

[Anonymous]

yes you can wait. But I personaly like to call and talk to them, the last time I called there was a super nice lady and she approved my request to increase from 1k to 5k. She also asked me if I want an increase on my other card which has 2k limit  

[Anonymous]

I would call in. I got that message as well, called in spoke to a credit analyst who asked me a few questions and went on to approve some of my cli.

:-)

[themeggerz]

Those with success on the LUV button, what was your balance etc?

I use my BOA card for my everyday spending.  I probably send through at least 5000 a month and never pay interest - i just pay about 1500-2000 a week to it.  So sometimes the balance is high, sometimes its not.  

I do have some inquiries on my CR - which bureau have they pulled for you? or is it soft??

[Anonymous]

I always PIF before closing date, so the reported balance is usually zero.

[Anonymous]

I also pay in full. Multiple times, sometimes. I like to make sure that my balance is always at zero on my account.

[Anonymous]

So I called in today and spoke to a pretty nice credit analyst.  He asked me a few questions about some baddies that are 6 years old and said, you current CL is 1.5k and want it a 3k CL.  I said yes, and he said that will be no problem at all.  Pretty easy, maybe I should of asked for more!

[jcx808]

I just hit the CLI button and got the a written decision will be mailed out 3-5 days.  Does this mean I got denied?