I am wondering if qualifying for a BOA CLI is at a direct result of stating a large yearly income. I am approaching having a flawless credit history and I cannot get BOA to get me out of the 1,000 cl. It's a new card, but I hear stories nearly everyday of people getting cli's almost automatically after asking. I've already asked twice with an agent and they ask me all these questions about my income and then end up saying 'Ask again later once we can see how you take care of the card'... Yeah right, why couldn't they have said that from the get go without asking me in depth details on income, mortgage, etc... LOTS of people have gotten CLI's upon activation. I am a year out of college and making my way up the financial ladder, so I am by no means making an outstanding salary. Is this the reason?
Times are rapidly changing, so what has happened previously may not be the norm today, re. CLI's. Since the account is only a year old I think you can chalk it up to lack of extended history with BoA. Keep plugging along and PIF each month, and let it age a bit. You have time on your side. CLI's will come in due course.
BoA WILL grow with you, but if they want to see more history, then show them you can handle the card. My personal income is only 15k. HHI is about 40k. That is not alot by no means.
After mine unsecured after 9th statement, I was given an increase to 5k. I am sure they will cap me due to a low HHI. I am fine with the 5k and if I can show them responsible use, then I just may be able to get increases later. However, I am fine for now. I'm trying to learn patience. It's my new goal I set for myself.
Point is, I am not wealthy, but surviving and taking care of my cards. They are in turn taking care of me. Give them sometime if that is all they are asking.
Who knows with any of the cc's sometimes I wonder if its not who you are talking to. Point in case hubbys BOA CL is 48,700. and mine is a measly 7800. We both have the same HHI. Plus he has a 32,000. LOC with BOA. I think I would have to beg to get an increase. On my knees no less. Vicki
~We'll Never Say Goodbye~ In Loving Memory Of All Lost Mothers