Howdy,
So I just received the CLI on my Walmart Discover bring me up to $5,000 and was thinking I should try for a BOA increase as well. Question is, should I go ahead and request for BOA now before the Walmart Discover increase hits my reports or should I wait for it to report before I do?
It's been about 15 months since I've had an increase on my BOA card and the last one I got was when the secured card graduated. It went from $500 to $2,000 at that time.
What do y'all think?
I would not waste the HP on BoA I would save it to app for another card at a later time. If it wasnt a HP I would let the other CLI report prior to asking for it.
@MMB85 wrote:Be very careful. I wanted a CLI increase. Had no particular reason, just wanted to increase my line and it had been over 6 months since my previous one. I went to my Disover online account and did it through there. It then said I will be notified in a few days. That was the first clue that this isn't going to turn out well. A few days later Discover calls me and tell me that they aren't going to give me an increase, and that they performaned a hard pull. So I hurt my credit score all for nothiing.
The OP is refering to Walmart Discover which is issued by GECRB all CLIs are SPs with them except for Care Credit.
Yes I already received an increase on my Walmart Discover. I was just wondering if I should wait for that increase to report on my CR before attempting a CLI on my BOA card.
It's been 15 months since I received my last auto CLI, so I figured I would probably not have any issues receiving one, just wondered if it would look better to them on review if I did or did not have the Walmart Discover increase showing.
@BrokaToe wrote:Yes I already received an increase on my Walmart Discover. I was just wondering if I should wait for that increase to report on my CR before attempting a CLI on my BOA card.
It's been 15 months since I received my last auto CLI, so I figured I would probably not have any issues receiving one, just wondered if it would look better to them on review if I did or did not have the Walmart Discover increase showing.
I myself would wait for the new limit to report, I am a firm believer in higher limits beget higher limts.
@gdale6 wrote:
@BrokaToe wrote:Yes I already received an increase on my Walmart Discover. I was just wondering if I should wait for that increase to report on my CR before attempting a CLI on my BOA card.
It's been 15 months since I received my last auto CLI, so I figured I would probably not have any issues receiving one, just wondered if it would look better to them on review if I did or did not have the Walmart Discover increase showing.
I myself would wait for the new limit to report, I am a firm believer in higher limits beget higher limts.
Yah, I hear that quite alot. Maybe having two card 5,000+ instead of just the one will fetch me a higher line on the BOA. My annual income is only $30,000 so I wasn't sure if total credit available may effect their decission if they thought I was getting too much. Although I see a lot of folks on here with credit lines two or three times their annual income...lol