How often can you get a CLI with BOA?

[Anonymous]

Title says it all, I recently got a CLI from BOA but they relied on an old SP resulting in not getting the full amount.

They sent a letter saying my score was 665 but on the day I requested the CLI my FICO was between 720 and 744. So I'm just wondering is it like Discover where you can get it every 30 days or is it 90 more days or...?

[austinguy907]

BOA is usually a HP each time you hit the button.  If they're doing it from SP then I would suggest spacing them every 3-6 months to make sure they're using updated info.

[Anonymous]

Hmm I requested one with them and it's a SP I've read other threads indicating it is a SP too that's why I was asking.

[Anonymous]

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@Anonymous wrote:
Hmm I requested one with them and it's a SP I've read other threads indicating it is a SP too that's why I was asking.

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I'm pretty sure that you read incorrectly. CLIs with BOA are HPs afaik. Not sure where you read otherwise

[Anonymous]

Some folks have been offered a SP CLI directly from BofA. These are targeted and far and few in between. Most consumer initiated CLI requests will result in a HP much like Chase. 

[creditguy]

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@Anonymous wrote:

Some folks have been offered a SP CLI directly from BofA. These are targeted and far and few in between. Most consumer initiated CLI requests will result in a HP much like Chase. 

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Very true, I have seen targeted SP offers but unless offered that it's definitely a HP. 

[bk510]

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@Anonymous wrote:

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@Anonymous wrote:
Hmm I requested one with them and it's a SP I've read other threads indicating it is a SP too that's why I was asking.

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I'm pretty sure that you read incorrectly. CLIs with BOA are HPs afaik. Not sure where you read otherwise

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I recently requested a CLI on my cash reward and was approved with HP........

[bk510]

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@Anonymous wrote:

Some folks have been offered a SP CLI directly from BofA. These are targeted and far and few in between. Most consumer initiated CLI requests will result in a HP much like Chase. 

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Received 1K auto CLI from B of A few months ago. Hit the love button like 2 weeks ago and got a 4K increase.

It was a HP......Naturally.

[Anonymous]

That's so strange I requested a CLI and no HP though they had HP'd a few weeks earlier for a business card.

[UncleB]

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@Anonymous wrote:
That's so strange I requested a CLI and no HP though they had HP'd a few weeks earlier for a business card.

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If they had a recent HP on file that's why you didn't see a new one... it's YMMV but not uncommon - I had the same experience back in January.

Under normal circumstances, though, a customer-initiated CLI with BoA is usually a HP.