cyberkost said:ttllkktt said:Recently got a BOA platinum visa card with 0% apr for purchase, balance transfer. But the CL is just above $5K. Does anyone know if I could request an increase of CL and still get the promotion APR?
Why not? In fact, you got the card recently, you may get a CLI granted without an additional inquiry to your credit history.

How much can I go? Is it possible to increase to $20,000?

I have 4 BoA cards... I will have to check my records for exact limits, but I have about 70K total lines with them.

Yesterday, I called and asked if ANY of my lines were ready for a CLI (hinting I wanted to do a BT)...

I got a 3K jump on one card (I know one of my cards is currently on a CLI freeze). I then reallocated to a card which has a 0% BT offer.... total line on that card is now at 30,300, and I did a 15K BT (got most of the fees waived).

BTW, as another UNRELATED data point: I went into BoA today, with a Barclays BT check... asked the manager how long the hold would be (12,700 check)... he said 7 to 9 days! I SAID IF THEY WOULD CALL, BARCLAYS WOULD APPROVE IT IMMEDIATELY (oops, sorry caplock), and he said he couldn't call...

I reminded him I have been a customer for almost 20 years... I took it to the teller, she processed it (and thanks to me forewarning barclays), she said there are no holds and it all would be available TOMORROW!

Technologist said:I have 4 BoA cards... I will have to check my records for exact limits, but I have about 70K total lines with them.

Yesterday, I called and asked if ANY of my lines were ready for a CLI (hinting I wanted to do a BT)...

I got a 3K jump on one card (I know one of my cards is currently on a CLI freeze). I then reallocated to a card which has a 0% BT offer.... total line on that card is now at 30,300, and I did a 15K BT (got most of the fees waived).

BTW, as another UNRELATED data point: I went into BoA today, with a Barclays BT check... asked the manager how long the hold would be (12,700 check)... he said 7 to 9 days! I SAID IF THEY WOULD CALL, BARCLAYS WOULD APPROVE IT IMMEDIATELY (oops, sorry caplock), and he said he couldn't call...

I reminded him I have been a customer for almost 20 years... I took it to the teller, she processed it (and thanks to me forewarning barclays), she said there are no holds and it all would be available TOMORROW!

Or, can't you get around what the manager said by depositing it into the ATM? I know I can at Wells Fargo, but don't know if that's for all banks/atm's.

ttllkktt said:cyberkost said:Depends on your credit history, for the most part. My wife got a $4.4K CL, asked for a CLI to $20K, got $10K. So, if I were to guess, I'd say you're standing a chance of getting $10K+ line. Ask for $20K though.

Applied for $15,000, not instantly approved. But several hours later, I logged onto my CC and found it has already been approved. Now, How long should I wait to request another CLI?

Again, the answer to this question is dependent on your circumstances. Nothing, in principle, prevents you from clicking the CLI link again and asking for even larger CL. The worst that can happen (I think) you may get a(nother) hard inquiry, a phone call from BOA and no CLI. Also, do you think you really "deserve" more given your HHI, CLs from other creditors? If I were you, I'd wait 6 months.

If you do an online CLI... how do you know if they will pull a hard inquiry?

bauzer71487 said:DjPiLL said:If you do an online CLI... how do you know if they will pull a hard inquiry?

You don't. . but you can bet that they will.

Ok i am reading the thread in full now and it seems a lot of people are saying they didn't get a hard pull. I guess its a crap shoot.

jackcrawfish said:DjPiLL said:bauzer71487 said:DjPiLL said:If you do an online CLI... how do you know if they will pull a hard inquiry?You don't. . but you can bet that they will.Ok i am reading the thread in full now and it seems a lot of people are saying they didn't get a hard pull. I guess its a crap shoot.FWIW

I was approved 7/30/2007.
Online CLI req 8/5 was soft.
Online CLI req 9/25 was soft too*.

(note: they just pulled hard 9/11 for a checking account I opened with them)

I am on the phone with them now trying to get all my CCs linked to my online account.

I originally had 12k limit with NEA, 5k limit with PlatPlus, and 9k limit with BankAmericard. I moved everything to NEA and PlatPlus and BankAmericard have 500 limits now. I am thinking of trying to get CLIs on those two cards with the $500 limit. Think I am pushing it with them? LOL

My mortgage is with BoA... if that helps anything.

DjPiLL said:I moved everything to NEA and PlatPlus and BankAmericard have 500 limits now. I am thinking of trying to get CLIs on those two cards with the $500 limit. Think I am pushing it with them?
I've tried shenanigans like that with BofA, it didn't work. I think they automatically evaluate your total credit exposure with them. (Unlike American Express, were this was a common tactic in the old days)

I did an online credit limit increase request through the BOA AMEX. I requested an increase to 18K from 8.5K and it states: "This request will not result in an inquiry to your credit report unless you are notified that it is required, and the decision will not have any impact on your credit history." My CLI request was approved within 24 hours.