boa cli response...

[Anonymous]

If you have a 5k limit and ask for 10k and boa thinks thats too much, do they come back with like heres 7k or is it just a decline?

[Anonymous]

I have two BoA cards, my one card was at about 7800 (?) and I asked for 13K, to put it in the same range as my othe BoA card and my one Chase card.  They did not approve me for 13K but did give me 11.7K.

[jmbfl]

It is a decline. If you call them they are going to tell you that the account is new and you've alreadys gotten a CLI. They will want you to wait six more months before requesting a CLI again. I would not call them unless you want about an 80% chance of having to listen to a bunch of crap that will confuse and irritate you. Just wait.

[Anonymous]

I'd call them. They declined me for two CLI on seperate cards last week. I did a BT yesterday and asked for more credit to help with my util. They said that they couldn't because the card was too new (just got the card in the mail Saturday). I had already been given an increase on this card from $1500 to $3000.00 (and tried again for 5K, which was one of the denials).  They looked at my other account and said they could not approve a CLI, but to call and speak to a credit analyst today. I didn't get around to calling, but tonight I logged in my online banking with BOA and my older BOA credit card had been increased from $1000.00 to $2500.00. So I think they must reconsider some requests(though I did do a BT, so maybe that helped).

[tkshk]

After reading this thread, I pushed the luv button on Sunday, for the first time in my life. I had never asked for CLI for any cards I have.

One of my BOA cards has $2600 CL and I thought it was too low. After pushing the luv button, I remember I got a message like this: If approved, new CL will be shown on my account page online in a couple of days. I checked the account info at 9pm on Tuesday and there is not change. I asked for $5000. I have been carrying the card for 5 years.

I guess, this is a decline, correct?