Getting the Most Out of a BofA Hard Pull

[Anonymous]

My second oldest credit card is a BofA Cash Rewards Visa with a $4,500 spending limit.  This leaves me $500 shy of Visa Signature.

BofA customer support told me the only way to get a CLI upon request is a hard pull (HP).  If I have to take the HP, is there any way that I can use the same HP to apply for a Better Balance Rewards Mastercard?

BTW, I've had this Visa card since 2010 and it started with a $2,500 limit. In late 2014, BofA upped my limit without my even asking.  However, since then, I've got a $13k Cap1 QS, a $6k Amex BCP, and a $5.5k DiscoverIt.  Now that I have these cards, I barely use the BofA card anymore, so I'm not sure if I can expect any auto-CLIs as my accounts age in the garden.

[Anonymous]

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@Anonymous wrote:

My second oldest credit card is a BofA Cash Rewards Visa with a $4,500 spending limit.  This leaves me $500 shy of Visa Signature.

BofA customer support told me the only way to get a CLI upon request is a hard pull (HP).  If I have to take the HP, is there any way that I can use the same HP to apply for a Better Balance Rewards Mastercard?

BTW, I've had this Visa card since 2010 and it started with a $2,500 limit. In late 2014, BofA upped my limit without my even asking.  However, since then, I've got a $13k Cap1 QS, a $6k Amex BCP, and a $5.5k DiscoverIt.  Now that I have these cards, I barely use the BofA card anymore, so I'm not sure if I can expect any auto-CLIs as my accounts age in the garden.

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You're correct that you probably won't get any auto CLIs on this account.

I don't have any direct experience with BofA, but when I face this issue, I call the backdoor number and ask.  The underwrites can usually tell me if I can apply for a CLI and a credit card with the same HP.

[Repairman]

They will not use the same HP. Also, be careful with BOA, I requested a cli and they denied it, and then when I tried to recon, unbeknownst to me, and without my permission, they did yet ANOTHER hard pull for the RECON! I had to contact the EO and they agreed to remove the 2nd HP, but said it would take 60-90 days to fall off my report. Its been about 30 days, and it's still there. Thanks BOA!

[Anonymous]

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@Anonymous wrote:

My second oldest credit card is a BofA Cash Rewards Visa with a $4,500 spending limit.  This leaves me $500 shy of Visa Signature.

BofA customer support told me the only way to get a CLI upon request is a hard pull (HP).  If I have to take the HP, is there any way that I can use the same HP to apply for a Better Balance Rewards Mastercard?

BTW, I've had this Visa card since 2010 and it started with a $2,500 limit. In late 2014, BofA upped my limit without my even asking.  However, since then, I've got a $13k Cap1 QS, a $6k Amex BCP, and a $5.5k DiscoverIt.  Now that I have these cards, I barely use the BofA card anymore, so I'm not sure if I can expect any auto-CLIs as my accounts age in the garden.

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That will be wishful thinking on your part.  It will be a fresh pull if you apply for a new card

[ScoreOrBeScored]

I got 2 cards in same day with 1 HP on 3/8/15

travel rewards - $2k

BBR - $10k

called 5/27/15 for Cli . Took the hard pull . Asked for $15k on travel rewards and the gave me $8k 

hung up up and called back 15 mins later and ask for Cli on BBR , asked for $20k but they gave me $2k 

new limts :

Travel Rewards - $10k ( put in request for Siggy upgrade )

BBR - $12k 

[Anonymous]

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@ScoreOrBeScored wrote:

I got 2 cards in same day with 1 HP on 3/8/15

travel rewards - $2k

BBR - $10k

called 5/27/15 for Cli . Took the hard pull . Asked for $15k on travel rewards and the gave me $8k 

hung up up and called back 15 mins later and ask for Cli on BBR , asked for $20k but they gave me $2k 

new limts :

Travel Rewards - $10k ( put in request for Siggy upgrade )

BBR - $12k 

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Sorry I'm confused.  Back in March you got two new cards with one HP, and this month you got CLIs on both those cards with just one more HP?

[icyhot]

BofA is very HP happy, I wouldn't count on it

[JSS3]

A poster in the Approvals section said he had 1BofA card. Applied for his 2nd 6months later then asked for a CLI for the 1st card. It used the same hard pull.

[Anonymous]

Call Sr Credit Analyst & ask him. 866-618-4585  I did stop using my old cc from BofA.  Will ask for a Travel Rewards Card to replace it.  

[ScoreOrBeScored]

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@Anonymous wrote:

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@ScoreOrBeScored wrote:

I got 2 cards in same day with 1 HP on 3/8/15

travel rewards - $2k

BBR - $10k

called 5/27/15 for Cli . Took the hard pull . Asked for $15k on travel rewards and the gave me $8k 

hung up up and called back 15 mins later and ask for Cli on BBR , asked for $20k but they gave me $2k 

new limts :

Travel Rewards - $10k ( put in request for Siggy upgrade )

BBR - $12k 

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Sorry I'm confused.  Back in March you got two new cards with one HP, and this month you got CLIs on both those cards with just one more HP?

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March 8 , 2015 app'd travel rewards and BBR 1 HP (TU Pull )

May 27, 2015 called and got Cli on both cards . 1 HP (TU Pull ) 

So I got Cli with the accounts being 2 months old.

im calling back in 3 weeks to ask for more.