I definitely think BoA will give CLIs for things like home repairs and stuff. It is a great way for people to get into debt with them and a great opportunity for them to make money
Tray and Yahcomb, if you don't mind sharing - could you give a brief run down of you credit profile?
Mostly I'm curious as to whether you have any derogs at all. That's the big thing holding me back. I have 3 derogs (co's/collections) on my reports that are 5-6 years old... But for the last 5+ years I've had excellent credit and have plumped my profile with several tradelines that are in perfect standing.
I wouldn't stress over the single HP normally, but I'm considering Barclays Apple and/or FNBO in late November to replace my HSBC card that was randomly closed and rather not gain a fruitless HP before then.
My TU and EQ reports are clean I have one baddie on EX a paid utility charge off due to fall off next year. I have been with boa since late 2007 starting off with a secured card and in the beginning I never was able to get a cli either I had many denials with this bank.
Thanks for all the feedback... I'll have to mull it over for a bit. I don't think I'm going to call because I don't think my odds of approval with them are very good based on the history of rejections I've had from them regardless of improvements and good standing with them.
I rather save the HP and put it towards my FNBO preapproval and/or Barclays card I think this way I can still consider cutting all ties to BofA like I had planned to in the spring.
I got a Email from boa about sandy because I live in Philly, I did call in for a cli and I got a big fat NO at first but capital one helped me on both of my credit card accounts so I called boa back and spoke to someone else in the credit department and asked them to recon and they did so I have nothing but good things to say about cap one and boa in my (opinion). I hope I helped with your question