I got the card in June of 2021 with a $16,000 SL. I waited 6 months from account opening to see if the CLI link would appear on my account and it didn't. I phoned in a CLI request at that time, which after a couple of days was denied. One of the denial reasons cited was lack of deposit/investment account funds with BoA. At that time I dropped some cash into a checking account with them since they were offering a $300 SUB for doing so. I figured 2 birds, one stone... check off a CLI denial reason box and grab a SUB. I waited another 6+ months hoping that being a Preferred Rewards member may help that CLI link to appear on my account. No dice, so I gave it another couple of weeks and at about 14 months since account opening phoned in a CLI request. The process only took maybe 2 minutes on the phone... they asked my income, mortgage payment and most important what limit I wanted. I requested $35k. The CSR said that I'd get an answer in several days but then moments later said a (counter) approval was there for $32,300, which I accepted. I'm glad I asked for what I did, as it seems I didn't leave anything on the table. Overall I think a doubling of my limit is a pretty good result, although it definitely took a lot longer than I expected / has been the case for me with most of my other lenders. I set an alert in my phone for 6 months when I'll make another attempt, probably asking for something in the realm of doubling my limit again (maybe $65k?) and seeing if they counter again. Now that I'm back at 0/12 and scorecard reassignment has happened to No New Revolver my score on my BoA account as of the next update should be pinned back at 850, so that hopefully will be a good look for my next request.
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BoA Cash Rewards CLI $16,000 --> $32,300

1 of 9
2 years ago
Mon Aug 29, 2022 9:07 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 16 minutes Next Level in6 days, 10 hours, and 44 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 16 minutes ago
I got the card in June of 2021 with a $16,000 SL. I waited 6 months from account opening to see if the CLI link would appear on my account and it didn't. I phoned in a CLI request at that time, which after a couple of days was denied. One of the denial reasons cited was lack of deposit/investment account funds with BoA. At that time I dropped some cash into a checking account with them since they were offering a $300 SUB for doing so. I figured 2 birds, one stone... check off a CLI denial reason box and grab a SUB. I waited another 6+ months hoping that being a Preferred Rewards member may help that CLI link to appear on my account. No dice, so I gave it another couple of weeks and at about 14 months since account opening phoned in a CLI request.

The process only took maybe 2 minutes on the phone... they asked my income, mortgage payment and most important what limit I wanted. I requested $35k. The CSR said that I'd get an answer in several days but then moments later said a (counter) approval was there for $32,300, which I accepted. I'm glad I asked for what I did, as it seems I didn't leave anything on the table. Overall I think a doubling of my limit is a pretty good result, although it definitely took a lot longer than I expected / has been the case for me with most of my other lenders.

I set an alert in my phone for 6 months when I'll make another attempt, probably asking for something in the realm of doubling my limit again (maybe $65k?) and seeing if they counter again. Now that I'm back at 0/12 and scorecard reassignment has happened to No New Revolver my score on my BoA account as of the next update should be pinned back at 850, so that hopefully will be a good look for my next request.
BrutalBodyShots
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

2 of 9
2 years ago
Tue Aug 30, 2022 10:31 am
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Justaguy
Seasoned Rebel
Justaguy has been gardening for over 2 years.
Level34 Last INQTuesday, November 16, 2021 Gardening For2 years, 10 months, 13 hours, and 16 minutes Next Level in29 days, 10 hours, and 44 minutes on October 16th INQ 1yr onWednesday, November 16, 2022 INQ 1yr reached1 year, 10 months, 13 hours, and 16 minutes ago INQ 2yr onThursday, November 16, 2023 INQ 2yr reached10 months, 13 hours, and 16 minutes ago
Congrats! That’s a whopper of a CLI!

I was always surprised by your denials from them. Weird they went from zero to sixty so abruptly. I guess the checking account made all the difference.
Justaguy
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  • Score data EQ8: 806 TU8: 841 EX8: 810
1
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

3 of 9
2 years ago
Thu Sep 01, 2022 2:30 am
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 16 minutes Next Level in9 days, 10 hours, and 44 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 16 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 16 minutes ago
Congratulations on your massive CLI.

Thank you for sharing the data points.

Hopefully, the increase limit hyperlink will automatically appear on the online portal.

I think you should be eligible for another CLI in ~90 days from last approval. 95 days for a buffer. You'll be maxed out soon enough.
AllZero
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

4 of 9
2 years ago
Thu Sep 01, 2022 11:23 am
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JNA1
Seasoned Rebel
JNA1 has passed the 24 month threshold and is completely inquiry free!
Level24 Last INQThursday, September 1, 2022 Gardening For2 years, 15 days, 13 hours, and 16 minutes Next Level in14 days, 10 hours, and 44 minutes on October 1st INQ 1yr onFriday, September 1, 2023 INQ 1yr reached1 year, 15 days, 13 hours, and 16 minutes ago INQ 2yr onSunday, September 1, 2024 INQ 2yr reached15 days, 13 hours, and 16 minutes ago
Bewm!!! Congrats on a killer CLI!
JNA1
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0
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

5 of 9
2 years ago
Thu Sep 01, 2022 8:52 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 16 minutes Next Level in6 days, 10 hours, and 44 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 16 minutes ago
I received a letter in the mail today regarding the CLI, basically saying congratulations on it and also saying sorry that I didn't get the full amount requested. Then it gives a reason for the "denial" of the full amount, which states the following: "The amount of credit extended to you by us and/or our affiliates meets or exceeds our maximums." So, two problems with this statement above. One, it's complete BS because "our maximums" is suggestive that this is true of all accounts out there when we know there are plenty of people with higher limit BoA cards than I have; see the $99.9k limit cards discussed for high income individuals etc. Looking past their poor wording, no doubt they simply mean that my profile has reached the maximum allowed. But, I call BS on that as well more or less for the same reason - I know plenty of people with profiles similar to mine (or even weaker, less income, whatever) that have BoA limits equal to or greater than mine was just raised to. Again I simply think this is poor wording, and should state something more to the tune of "The amount of credit extended to you by us meets or exceeds the maximum we can allow based on your profile at this time." Key phrase, "at this time" should be used, because no doubt BoA simply wants more time to elapse before they can consider going higher. In conclusion, the constraint here to me seems to be the element of time, not some permanent ceiling being reached.
BrutalBodyShots
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1
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

6 of 9
2 years ago
Thu Sep 01, 2022 9:59 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 16 minutes Next Level in9 days, 10 hours, and 44 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 16 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 16 minutes ago
I think it's a boiler plate template.

You're right, though. "At this time" is needed in the statement.

They gave you a touch over 2x CLI. It is a good indication that there is potentially more to come.
AllZero
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1
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

7 of 9
2 years ago
Sun Sep 04, 2022 6:12 pm
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BrutalBodyShots
Senior AdministratorGoodwill Saturation Technique Author
BrutalBodyShots has been gardening for over 2 years.
BrutalBodyShots has achieved the Garden Goal !!
Level27 Last INQMonday, May 23, 2022 Gardening For2 years, 3 months, 24 days, 13 hours, and 16 minutes Next Level in6 days, 10 hours, and 44 minutes on September 23rd INQ 1yr onTuesday, May 23, 2023 INQ 1yr reached1 year, 3 months, 24 days, 13 hours, and 16 minutes ago INQ 2yr onThursday, May 23, 2024 INQ 2yr reached3 months, 24 days, 13 hours, and 16 minutes ago Goal24 months Goal DateThursday, May 23, 2024 Goal Achieved3 months, 24 days, 13 hours, and 16 minutes ago
Just a mini update here... when I was logged into my account today for the first time ever under "information/services" I saw the CLI link present. As I mentioned prior, in my first 14 months of having this card I never once saw the CLI button appear online for my account, which is why I ultimately had to phone in my CLI request. I just find it odd that after finally getting a CLI, now the link to request one online appeared. I guess my next request can be done online which is cool, although I'm not sure how long I should give it before submitting one...?
BrutalBodyShots
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1
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

8 of 9
2 years ago
Sun Sep 04, 2022 7:32 pm
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AllZero
Outlier
AllZero has been gardening for over 2 years.
Level29 Last INQSaturday, March 26, 2022 Gardening For2 years, 5 months, 21 days, 13 hours, and 16 minutes Next Level in9 days, 10 hours, and 44 minutes on September 26th INQ 1yr onSunday, March 26, 2023 INQ 1yr reached1 year, 5 months, 21 days, 13 hours, and 16 minutes ago INQ 2yr onTuesday, March 26, 2024 INQ 2yr reached5 months, 21 days, 13 hours, and 16 minutes ago
Congratulations on getting the increase credit limit hyperlink!

I'd recommend waiting ~90 days from last approval before attempting another CLI request.
AllZero
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1
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Re: BoA Cash Rewards CLI $16,000 --> $32,300

9 of 9
2 years ago
Fri Sep 09, 2022 6:13 pm
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Birdman
Primer AuthorCo-Founder
Birdman has been gardening for over 2 years.
Level30 Last INQWednesday, March 2, 2022 Gardening For2 years, 6 months, 14 days, 13 hours, and 16 minutes Next Level in15 days, 10 hours, and 44 minutes on October 2nd INQ 1yr onThursday, March 2, 2023 INQ 1yr reached1 year, 6 months, 14 days, 13 hours, and 16 minutes ago INQ 2yr onSaturday, March 2, 2024 INQ 2yr reached6 months, 14 days, 13 hours, and 16 minutes ago
Definitely agree ‘at this time’ would make it so much more clear as to the true intention.
Birdman
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  • Score data EQ8-827; TU8-817; EX8-816
    EQ5-751; TI4- 800; EX2-814
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