Just an update on this...I used the CLI button to go from 4500 to 7k, then again the next day to 8k. I then tried a 3rd day for 10k, and was told I would have to wait 1 business day for a decision. I received a BOA letter in the mail denying the last CLI because my credit limit was at an acceptable limit given my stated income, and it listed Experian, which leads me to believe it may have been a hard pull, even though nothing during the CLI process indicated it. Oh well. I guess I just got greedy.

i asked for 30-50k lines on cards with limits about 10k but got only 25k each on 2 cards. guess thats their internal limit for me

jairocon said:Senturon said:Well, I decided to be the guinea pig and just attempted this (leaving that field blank). CL went from $5,800 to $7,000 with no hard pull.It seems that if the field is left blank then the standard CLI is 20%. I think someone else reported leaving the field blank and their CLI was in 20% range as well.I just requested CLI on my g/f's card. Original CL $15,200 - new CL $18,300. I left the field blank. Got a message that decision will happen within 1 business day, logged in a few hours later and saw the new CL. Again - 20% increase if field left blank.

I went from 25k to 35k a week or two ago. The decision wasn't instant, but after a day or two I noticed my limit was raised.

any update from your experience? We've been waiting.

supercreditman said:DW just applied for CLI's on all 3 of her eligible BOA accounts, and 1 business MBNA card. BOA personal Worldpoints (formerly REWARDS), BOA biz credit express LOC, and one of 2 BOA biz credit cards. Requested increases $10.3K to $50K, $8K to $50K, and $25K to $50K respectively. On the MBNA biz card, requested $22.5K to $50K. Haven't pulled triple credit report until later tonight to see any hards, but she does know that there's a BOA/MBNA soft inquiry on her Experian report, so far. These are, of course, agressive increases, but you have all pointed out that they will automatically counter-offer and there should be some sort of increase in the end. We'll update you all when we find out anything else.

SCM

Monkeysan said:BOA just lowered my credit limit to 5k from 8k. I had used the CLI button to get a bump from 4.5k originally. This was done a day after I was deferred for a BOA AMEX card I applied for. Bleh.
They might have reallocated to approve your new card. There's a decent chance you were approved for a $3K card.

mrbudman said:I had used the CLI button at BOA first time I went from 9,500 to 15,000. which happened the next day.
So I wanted to try and get it up to the same limits as some of my higher limits. So I went high at 35k and hoped for counter offer of say 25k or so. (this was in the same month) They still said no hard pull. But i received a letter in the mail saying it was pulled from Experian. Damn sh1tters. So in order to get back at them I applied for one of their new checking accounts for the sign-up bonus for my pain and suffering.

It may be still a soft hit.

BofA lets you put in your salary and other income when you request a CLI. Is there any advantage/disadvantage to combining or splitting the two? My wife and I make about 90k each. Usually on credit apps we just combine the two. Is it factored higher this way, or if it's split, or no difference?

Monkeysan said:BofA lets you put in your salary and other income when you request a CLI. Is there any advantage/disadvantage to combining or splitting the two? My wife and I make about 90k each. Usually on credit apps we just combine the two. Is it factored higher this way, or if it's split, or no difference?

If the CC company asks for income, it is definitely factored into the credit limit assigned to you. There is no advantage to putting in a lower income.

Understood, what I meant was if there's a difference at all if I state income as (180k salary + 0 additional) or (90k salary + 90k additional).

Also, how frequently can you request CLI's on their website? I did it last week and today and received a 20% increase (I left the requested amount blank) on both my cards both times. Is this safe?

I requested a CLI last week, checked my credit report and found out I was hit with a hard pull even the web site said I won't get one. Damn those BOA liars.


mrbudman said:I had used the CLI button at BOA first time I went from 9,500 to 15,000. which happened the next day.
So I wanted to try and get it up to the same limits as some of my higher limits. So I went high at 35k and hoped for counter offer of say 25k or so. (this was in the same month) They still said no hard pull. But i received a letter in the mail saying it was pulled from Experian. Damn sh1tters. So in order to get back at them I applied for one of their new checking accounts for the sign-up bonus for my pain and suffering.