HP for customer initiated CLIs, but I think if you call the underwriter during the first 30 days you can usually get them to use the same HP. (Or use a HP from another BoA CLI within 30 days of that HP. That's from what I read in someone else's BoA HP thread.)
I've not received an auto CLI on my FidAmex.. but I also haven't used it heavily, either.
I've not received an auto CLI on my FidAmex.. but I also haven't used it heavily, either.
@uswala wrote:I apped foir Fidelity Amex last month. Was denied. Called for reconsideration and was approved for $2500. I said I would have preferred more. The rep asked me how much were you expecting.n I just said around $5000. He said $2500 is the max they can offer right now. However, when I got the card it had $5000 CL. So, it seems that they are quite flexible with CLs.
Now my questions are:
1. Do they do auto CLI?
2. If not when can I ask for a CLI?
3. Will it be SP or HP?
Thanks!
They HP TU if you initiate an online CLI request. I would wait atleast 3 statement cuts to request an increase. If you show alot of use and PIF, I think they are very generous with CLI.
Mine was initialy approved at $4K, got an increase to $12K after 3 statements and another increase to $20K after 7th statement. I did use the card alot and PIF and I also use the Cash Managment account as my main checking with DD which may have helped.
@Luscher wrote:
You can normally use the same hard pull for 30 days with FIA/BOA
It would have been better to know that a few days ago. I could have asked for a CLI on my BOA reward card using the pull the initiated for the Fidelity Amex app.
Anyway, will remember that in future 