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They said that b/c of my settled Honda Repo from 6 years ago that they were only able to initially approve me for $1k. I said that my DTI is 8% & I don't have anything else since that 6 years ago, not even a 30 day late, but he didn't care. Seems a bit stingy to me. He wouldn't consider that or my decent income. I asked if they had an auto CLI after 6 months and he said no. He said I could call back later at any time but it's a HP always. I really don't feel like using this card at all.
@Anonymous wrote:They said that b/c of my settled Honda Repo from 6 years ago that they were only able to initially approve me for $1k. I said that my DTI is 8% & I don't have anything else since that 6 years ago, not even a 30 day late, but he didn't care. Seems a bit stingy to me. He wouldn't consider that or my decent income. I asked if they had an auto CLI after 6 months and he said no. He said I could call back later at any time but it's a HP always. I really don't feel like using this card at all.
Is this your first BoA card? Don't dismiss it, show them 6 months of dependable use and request CLI to $10k
Yes it's my first. OK I'll try to give them my money. I just feel like I'd rather give my 4 other higher CL cards my money since they weren't so stingy with me.
@Anonymous wrote:Yes it's my first. OK I'll try to give them my money. I just feel like I'd rather give my 4 other higher CL cards my money since they weren't so stingy with me.
I felt the same way back when Discover gave me $5k and BoA wouldn't budge from $2.5k. Three years later, Discover is still $5k and I have over $40k available from BoA. I'm glad I stuck with them.
@B335is wrote:
@Anonymous wrote:They said that b/c of my settled Honda Repo from 6 years ago that they were only able to initially approve me for $1k. I said that my DTI is 8% & I don't have anything else since that 6 years ago, not even a 30 day late, but he didn't care. Seems a bit stingy to me. He wouldn't consider that or my decent income. I asked if they had an auto CLI after 6 months and he said no. He said I could call back later at any time but it's a HP always. I really don't feel like using this card at all.
Is this your first BoA card? Don't dismiss it, show them 6 months of dependable use and request CLI to $10k
+1
@Luscher wrote:
went from 10k-18k in 3 months of have a boa card
What was your UTIL at the time of cli request to go from 10K to 18K?
@Anonymous wrote:They said that b/c of my settled Honda Repo from 6 years ago that they were only able to initially approve me for $1k. I said that my DTI is 8% & I don't have anything else since that 6 years ago, not even a 30 day late, but he didn't care. Seems a bit stingy to me. He wouldn't consider that or my decent income. I asked if they had an auto CLI after 6 months and he said no. He said I could call back later at any time but it's a HP always. I really don't feel like using this card at all.
BOA or rather FIA uses the same HP for 30 days, I would wait a week or two and try a different rep, they will use the same HP and you can try your case with someone else, I have learned on this forum that it sure doesnt hurt to try and even when they still say no, try again! BOA after having only 9 months with them went from $5000 to $14000! I would stick with them.