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Bank Of America Credit Line Increase on Crack Archived From: Finance

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alert mods    
   posted: Oct. 31, 2007 @ 3:00p

I don't want the INQ, it seems very unclear if they will or won't


alert mods    
   posted: Oct. 31, 2007 @ 3:04p

1500/0/2500 requested response in 5-7 days


alert mods    
   posted: Oct. 31, 2007 @ 3:06p

Added to QS


alert mods    
   posted: Oct. 31, 2007 @ 3:07p

14000/instant/24000/21000
25000/instant/30000/30000


alert mods    
   posted: Oct. 31, 2007 @ 3:22p

I'm confused, I got an instant approval message but on my account details it still lists my credit limit as the original amount. Does it take time to update, or does it look like I'm out of luck?

5500->8500 on the Iowa card.


alert mods    
   posted: Oct. 31, 2007 @ 3:24p

whoo hoo....went from $5000 CL to $6000 CL on my Iowa card ! Oh well, every little bit helps...I guess it's that big 0% BT outstanding on the Star Wars card that's holding me back....


alert mods    
   posted: Oct. 31, 2007 @ 3:24p

ORIGINAL LIMIT / BALANCE / RESPONSE TIME NOTICE / CL REQUESTED / CL GRANTED
34k/0/instant/45k/38.1k
0.5k/0/instant/25k/0.8k
25k/24k/ints/49k/29k

thaanks
was worth the try


alert mods    
   posted: Oct. 31, 2007 @ 3:28p

$18,000 / $1,500 / Instant / $25,000 / $25,000

Added to QS


alert mods    
   posted: Oct. 31, 2007 @ 3:30p

i have used this several times just to see what happens, there has never been a hard pull, went from 1800 to 10K no hard pull then a month later 10K to 20K. again no hard pull. instant decision. dormant card not used in over 4 years if that matters.


alert mods    
   posted: Oct. 31, 2007 @ 3:40p

$11,100 / $0 / Instant / Left Blank / $13,400

Not a bad uptick for no credit pull or phone call...but not exactly "increase on crack"...


alert mods    
   posted: Oct. 31, 2007 @ 3:44p

OLD CL 9000

Req CL 16000

Approved instantly for 15100

Not bad for no credit enquiry..

-


alert mods    
   posted: Oct. 31, 2007 @ 3:44p

Woohoo!!

$11.5k/$0/instant/$23.5k/$20.6k

Thanks,
-Pak


alert mods    
   posted: Oct. 31, 2007 @ 3:50p

Oh well, I had to try...

$500, requested $5000, got $800 instant, 0 balance
$36K, requested $40K, got 5-7days, $24K 0%BT


alert mods    
   posted: Oct. 31, 2007 @ 4:02p

Auto approval / instant increase from $39.9k to $47.9k.

Thanks for Letting Us Serve You! Congratulations! Your credit line increase request has been approved. Your new credit line of $47,900.00 is now available for purchases, cash, access checks, and balance transfers.

Use your available credit to transfer balances from other creditors online today.

In case you would like to print a copy of this request for your records, here's a summary of the information you submitted:

Credit Line Requested: $75,000
Occupation: Professional/Management
Salary: $xxxxxx per Year
Housing Payment: $xxxx per Month (Homeowner)
Other Income: $xxxxxx per Year


alert mods    
   posted: Oct. 31, 2007 @ 4:06p

Wow, this is pretty great! Thanks for letting us know.

Here are my stats to add to the QS:

9,000 / 0 /instant / 15,000 / 15,000
2,000 / 0 /instant / 5,000 / 5,000
2,000 / 0 /instant / 6,000 / 6,000


alert mods    
   posted: Oct. 31, 2007 @ 5:08p

Thanks OP for the head's up.

I requested a CLI on 2 of my 3 cards and was approved instantly for the amounts I requested giving me an aggregate +75K line.


7000/instant/15000 15000

23000/instant/29000 29000

I didn't request an increase on my 32K line.

I'm especially happy about the smallest line bc it was my oldest card and BofA had lowered the CL when I applied for the 23K card.


alert mods    
   posted: Oct. 31, 2007 @ 5:09p

My three cards:

$500 / 0 / instant / 10,000 / $800
$500 / 0 / instant / 5,000 / $800
$500 / 0 / 1 day / $2500 / ???

P.S. My 4th card has $45,000 dollars CL, no balance.


alert mods    
   posted: Oct. 31, 2007 @ 5:24p

This sucks,

I have an old MBNA card that is now BOA. Just got the 0% checks for 12 months with BT Fee capped at $75. Go online to request the CLI, and the CLI function is not available for that card.

Guess I'll have to go it the old fashioned way and call.

Thanks for the heads up OP.


alert mods    
   posted: Oct. 31, 2007 @ 5:24p

Warning : Please read the updated first post.


alert mods    
   posted: Oct. 31, 2007 @ 5:27p

superdrew said:Warning : Please read the updated first thread.

Do you mean first post, or is there another thread pertaining to this topic??


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