BofA CLI Request Denial

[Anonymous]

fyi

Official  Credit Unions Guide
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Official-Credit-Unions-Guide/td-p/4768788

Pentagon Federal Credit Union Data Share
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Pentagon-Federal-Credit-Union-Data-Share/m-...

Bankruptcy Friendly Credit Cards
http://ficoforums.myfico.com/t5/Bankruptcy/Bankruptcy-Friendly-Credit-Cards-Pt-2/td-p/3999737

HOW TO: From BK7 discharge to 700 in 24 months or less!
http://ficoforums.myfico.com/t5/Bankruptcy/HOW-TO-From-BK7-discharge-to-700-in-24-months-or-less/m-p...

The Best (and Worst) Secured Credit Cards according to Beverly Harzog' opinion
http://www.beverlyharzog.com/the-best-and-worst-secured-credit-cards/

.

[Anonymous]

I was looking back through my old posts and saw this. A few days ago i went a head and asked BofA for that CLI to $5000. They countered and took me from $500 to $2300! So to anyone seeing this and wondering, its definitely possible to have decent increases as long as you stay responsible! Good Luck everyone and have a great day! 

[NRB525]

Congrats on the increase!

[AverageJoesCredit]

Well done

[JR_TX]

'Grats in your 4X CLI Panda! By the way if you don't mind me asking, what's your TU score at time approval? They pulled TU right?

[Anonymous]

Yes they pulled TU and no I don't mind at all! my TU fico 08 was 698 at the time of the pull

[JR_TX]

Thanks Panda! Yeah so 700s or at least close to it is really the magic number for BofAs instant approval.

[iwazl71]

No, it wont affect your request coming down the road.  BOA requires at least 6 months between CLIs.  I started with a 5k card 4 years ago.  It's now my highest card at 80k.  just ask every 6 months and it will grow.

[Anonymous]

---

@Anonymous wrote:

I was looking back through my old posts and saw this. A few days ago i went a head and asked BofA for that CLI to $5000. They countered and took me from $500 to $2300! So to anyone seeing this and wondering, its definitely possible to have decent increases as long as you stay responsible! Good Luck everyone and have a great day! 

---

Congrats on your CLI!! 

[K-in-Boston]

---

@iwazl71 wrote:

No, it wont affect your request coming down the road.  BOA requires at least 6 months between CLIs.  I started with a 5k card 4 years ago.  It's now my highest card at 80k.  just ask every 6 months and it will grow.

---

Your signature is what I hope mine looks like this time next year!  Just an FYI, I am 6 for 6 on CLIs at 3 month intervals as soon as the Request a credit line increase link comes back with BOA (all in the $8,100 - $15k range) so it may depend on the profile, but 3 months seems to be fine for me.

Congrats CreditPanda, the BOA CLIs just get bigger and bigger from here!  BOA HPs are worth every point they may or may not take away from your TU score.