I was checking my bank account earlier and noticed I had a 99$ deposit that posted. I knew instantly what it had to be. But my BOA Secured card was only 9 months old so when I looked at the account info for my card, the limit was now showing $2000!
So they unsecured my $500 secured card and gave me an auto 4x increase to $2000. I'm so freaking excited I can't stand it. I wasn't expecting any unsecuring action for another 3 months. Plus they did all that without me initiating it. So I'm assuming it was all done with a soft pull. If they do all this auto, shouldn't it be a soft pull?
So they unsecured my $500 secured card and gave me an auto 4x increase to $2000. I'm so freaking excited I can't stand it. I wasn't expecting any unsecuring action for another 3 months. Plus they did all that without me initiating it. So I'm assuming it was all done with a soft pull. If they do all this auto, shouldn't it be a soft pull?
SSSSSSSCOREEEEE! Congrats!
Starting Score: EQ: 383 2/2011
@sphinx313 wrote:SSSSSSSCOREEEEE! Congrats!
Thanks! It was quite the pleasant surprise that's for sure. 
Congrats! That's awesome.
Well I was just approved for Discover It with a $7000 credit line. I've already received the card a couple of days ago, but it's not reporting yet. So the BOA at $500 was actually my highest limit as far as they could see. 
But I pushed about $800 a month through it, making payment at least 3 times a month. And of course always paying in full each month as soon as the statement cut. I never let a statement cut with more than 10% util on it.
Plus I think they pull TU for increases, and it's gone up a lot over the last few months, currently at 711.
@snowkitty wrote:
Well, that's encouraging. Next week my highest limit of 6k will show up so that will be nice. I use the boa card alot too and pay it off weekly. I just got the rewards added to it....have you added that to yours yet?
Actually mine came with rewards already attached. I had originally apped for the Visa Sig card and was denied, but they countered the 99/500 card and I took it. But when it came in the mail it was a Cash Rewards 123 card, although secured, but I wasn't complaining. I've redeemed probably around $100 in rewards in the last 9 months, love it!
That's great! I just found out about it here a while back and got it added. As much as I use that card, I should accumulate money fast too