@Switch2007 wrote:**UPDATE**
I figured it wouldn't hurt to give them a call and request a higher starting CL... and after a BUNCH of questions, some conversation about the terrible battery life on my iPhone, and a bit of holding, I was brought up from $7,500 to $12,000! My highest limit EVER in the history of limits!!!!!!!!
I'm so excited... ok, I promise... Garden Mode for me... there's nothing else that I'd like.
That (almost) free phone call netted you a 4500 CLI, I'd say well worth the call, great job!!
Super congratulations 
@Switch2007 wrote:**UPDATE**
I figured it wouldn't hurt to give them a call and request a higher starting CL... and after a BUNCH of questions, some conversation about the terrible battery life on my iPhone, and a bit of holding, I was brought up from $7,500 to $12,000! My highest limit EVER in the history of limits!!!!!!!!
I just teared up a little reading this make me SO excited to finally be in that territory by this time next year!
Congrats - YOU DESERVE IT!!!!!!!
@quest208 wrote:
Who did they pull and what were your file credentials?
Boa is on my radar, like chase and amex.
I got the alert this morning that they pulled EX for me... Experian has 8 inquiries in the last 2 years (3 in the last year, 1 for mortgage, 2 for CLI requests). No baddies, no lates, but my UTIL is pretty high which is one of the questions that the analyst asked me when reviewing for a CLI. My high utilization is due to the home renovation projects we have going. Home Depot gave us no interest for 12 months, so we put it all there, letting the cash build (minimal) interest, and paying it off over the 12 months. My FAKO is at a 696, and my FICO scorewatch hasn't changed in sooo long, it's been the same as whats in my sig. I also just checked my Experian and it says that I have a Flex Spending Card, no CL being reported... I assume thats somewhat like an AMEX (???)
With your scores, I'm sure you wont have a problem with a Freedom or an AMEX.
Starting Score: 08/01/2009 584
@jefftca925 wrote:Congratulations on your success!! Despite what some people say on here, BofA has always been good to me and very professional. I have two cards with them and have never had an unsatisfactory experience with them. They are definitely a bank that will grow with you if you treat them well...and they won't make you feel like a criminal like Chase does. They will always acknowledge their appreciation for having you as a customer and how much they appreciate your business. Take care of your account, always pay on time or PIF if you can and you'll have no problems with them.
This is great advice that I found to be true with most banks (Crap 1 and Orchard being exceptions)... I'm excited to be here!
@casmith1980 wrote:
@Switch2007 wrote:**UPDATE**
I figured it wouldn't hurt to give them a call and request a higher starting CL... and after a BUNCH of questions, some conversation about the terrible battery life on my iPhone, and a bit of holding, I was brought up from $7,500 to $12,000! My highest limit EVER in the history of limits!!!!!!!!
I just teared up a little reading this
Congrats - YOU DESERVE IT!!!!!!!
Thank you soooo much! You totally get it obviously (as others do too I'm sure) It's such a good feeling to see that you're getting another chance on correcting the wrongs from the past... Now, just to make sure those mistakes do NOT happen again!