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Has anyone gotten a CLI on their BOA cash rewards card with old baddies? I have old student loan lates (120+ days) that fall of next year. I was approved for the card Nov 2019 for 2K while obv still having those on my profile. But they refuse to give me a CLI. The reasons state serious delinquency.
Are they really gonna make me wait another year until those fall off??
Knowing BoA ..Probably
That's really annoying
Understand annoying .. right now lenders are tightening purse strings, for the most part.
Yeah I get it.
It might also help your case if you have an investment or depository account/s with them.
IME our 20 year checking and savings relationship helped me in my apps with BoA. To think that I burned them gravely in my BK7 (still reporting).
They haven't turned me down on my last few apps with them. It's been almost a year now since my last CLI and I have no more intention of asking for more as my CL is already way more than what I need!
Good Luck!
@JR_TX , I do have a checking & savings acct with them. That's what lead to me applying for the card bcthey kept offering me a card through the app when I would log in. You think the amount in the savings plays a role? They're not my only bank so maybe if transfer some more money into their acct?
@Doodlebug30 wrote:Has anyone gotten a CLI on their BOA cash rewards card with old baddies? I have old student loan lates (120+ days) that fall of next year. I was approved for the card Nov 2019 for 2K while obv still having those on my profile. But they refuse to give me a CLI. The reasons state serious delinquency.
Are they really gonna make me wait another year until those fall off??
Sounds exactly like BOA. I was approved for 2 of their cards with old student loan lates on my report. Whenever, I applied for a CLI, I was always instantly declined. I technically don't use their cards as much to justify an increase but my scores improved greatly.
Ironically, I finally got approved for their Premium Rewards card last week after 3 years worth of denials of CLIs and declined credit cards. Of course, they did take 3200$ of my Cash Rewards limit to give me a total of 8k for that card. In other words, they gave me 4800 more credit than I already had.
@Anonymous , Do you still have the lates? I'm wondering if I wait til they fall off of they'll increase me....idk. The only other card from them I'd want it the travel but I really don't need it right now. Thanks for the input! Helpful to know it's not just me 😄