got the 1 day review, but in the past hour its been approved

25-> 49k.

Havent checked the cards on the FIA system. Im not touching those , this one has a 0% offer.

Ive started posting results in the quicksummary...please post your original credit line, the decision notice (instant, 1 day, 5-7 etc) the requested CL and the CL granted

SUCKISSTAPLES said:got the 1 day review, but in the past hour its been approved

25-> 49k.

Havent checked the cards on the FIA system. Im not touching those , this one has a 0% offer.

Ive started posting results in the quicksummary...please post your original credit line, the decision notice (instant, 1 day, 5-7 etc) the requested CL and the CL granted

I as well was told I would receive notice in a day. Clearly you received notice quicker than that. How did they notify you?

scotto777 said:I as well was told I would receive notice in a day. Clearly you received notice quicker than that. How did they notify you?

just logged in an hour later and saw the new CL

$15,000 / Instant! / $24,000 / $24,000

Congratulations! Your credit line increase request has been approved. Your new credit line of $24,000.00 is now available for purchases, cash, access checks, and balance transfers.

I have two largely identical cards with $2500 limits (two free ipod offers last year with 2k BT) and currently both have ~$1800 on them.

My results, posting a 50k income and 30k additional income. Home-owner, Teacher/Admin.

Worldpoints card:
$2,500 / 5-7 days / $5,000 / (not yet returned)

MLB card, reporting 50k income and 60k additional income:
$2,500 / 5-7 days / $4,000 / (not yet returned)

While I may have hosed myself by putting different added incomes, if asked I'll just say that I failed to include my parents in the first request. It was for the sake of science. I figured a controlled experiment in the second case, telling them what they wanted to hear, would have a more favorable outcome. No dice.

Judging by the small second request and continued delayed response, it probably makes a significant difference if you actually owe a significant amount on your BoA cards.

Thank you OP for the wonderful thread. My question is that did anyone get instant CLI approval while the card has a balance on it? I currently have a BoA world point with $10800 balance over CL $12500. Any response will be much appreciated.

$3,100 / instant / $15,000 / $6,200

I have done this in the past, and after a couple of successful increases, I have never been successful.

In unsuccessful cases, the response has been "you will get a letter in 5-7 days", and the ensuing letter stated that relative to my income, I already have enough credit across all BofA credit lines.

So that has led me to believe that whether or not you can get an increase is tied to your income and current aggregate credit held across all BofA lines. On the other hand, before I reached that ceiling, I remember being successful several times. Usually, either the approval was either instant, or very prompt.

So may I ask all the posters who had success with the CLI to also post the aggregate income they provided in the form? Perhaps this can help us figure something out about the rules used in approving / denying the CLI.

In my case, the glass ceiling was reached at $37.7K aggregate credit, and my individual ann. income is $74K.

reminice said:For those that have already requested CLI, can you also clarify a few points?

1. What is your utilization for BofA currently?
2. Do you have any BT or amount owed at the moment?

I'd like to gather more info before attempting this. Thanks.

My request was approved instantly. My CL went from 15k to 24k (I requested 24k).

I currently have a 8k balance (BT at 0% for 12 months, 3 months left until the 0% expires). I have never used the card, and only have used the account for the 0% arbitrage.

Hope this helps.

I added a BALANCE column to the QS. For those who have already contributed, it would be very helpful to know what your current balance was when you requested the CLI.