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BofA CLI was SOFT PULL!

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Valued Contributor

BofA CLI was SOFT PULL!

Hi everyone,

 

So on August 19th, I successfully got a CLI on my BankAmericard from $3,500 to $5,000 for the purpose of going to a Signature card.  It was successfull.  Here we are 12 days later, did a backdoor entry into all three, no hard pulls...

 

I guess not all BofA CLI requests result in HP.

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 1 of 10
9 REPLIES 9
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Established Contributor

Re: BofA CLI was SOFT PULL!

That is great news..  Now if my credit union (Chartway) would just get with the program on soft pulls for CLI on credit cards......   ah, but who am I kidding, even with the hard pull I'm still just as happy as can be with them.  They make me plan in advance.....  Smiley Happy


Current Score: Eq: 823 Tu: 830
Goal Score: Eq: 850 Tu: 850

Wallet: PenFed Power Cash 50k | AMEX Blue Cash (AU) 49.5k | Cap One QSMC 26.5k | AMEX Platinum NPSL | LFCU Visa 13k
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Super Contributor

Re: BofA CLI was SOFT PULL!

Yes. Both BOA and FIA are softpull for me when I ask CLI.

Gardening since 08/2020
Message 3 of 10
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Frequent Contributor

Re: BofA CLI was SOFT PULL!

I think requesting for CLI for too agressive amount or requesting when an account is too new will result in HP. Aged account will have higher threshold for soft pull CLI than young account do.   

Message 4 of 10
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Established Contributor

Re: BofA CLI was SOFT PULL!


@dookdig wrote:

I think requesting for CLI for too agressive amount or requesting when an account is too new will result in HP. Aged account will have higher threshold for soft pull CLI than young account do.   



That sounds reasonable, and something I could live with.  Smiley Happy


Current Score: Eq: 823 Tu: 830
Goal Score: Eq: 850 Tu: 850

Wallet: PenFed Power Cash 50k | AMEX Blue Cash (AU) 49.5k | Cap One QSMC 26.5k | AMEX Platinum NPSL | LFCU Visa 13k
Message 5 of 10
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Established Contributor

Re: BofA CLI was SOFT PULL!

I've only had my BofA card for 3 months with a CL of 1000. I called an asked for an increase to 5K and to be upgraded to signature as well. I was approved and it was only a soft pull as well

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
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Frequent Contributor

Re: BofA CLI was SOFT PULL!

maybe YMMV could be the best explanation.

Message 7 of 10
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Moderator Emerita

Re: BofA CLI was SOFT PULL!


@dookdig wrote:

I think requesting for CLI for too agressive amount or requesting when an account is too new will result in HP. Aged account will have higher threshold for soft pull CLI than young account do.   


I've read this.

 

They've always been soft for me, but I can see that if someone keeps hitting that luv button, they're eventually going to run out of extra credit that they're willing to hand out for free, and do a hard.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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Frequent Contributor

Re: BofA CLI was SOFT PULL!

Congrats.

 

I was wondering why BoA is not giving auto CLI to their reputed customers. Has anybody any experinece on tihis to share

TU Auto enhanced FICO (9/2012): 744
EX FICO (8/2012): 748
EX FICO (6/2010): 739
Message 9 of 10
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Member

Re: BofA CLI was SOFT PULL!

I received an unsolicited 1000.00 CLI on my Platinum Plus Visa without any pull. Card started as a secured card almost three years ago.

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