Bank of America 1-2-3 card - low limit - recon?

[brianjb]

Hi everyone,

I was recently approved for a $1K limit on a Bank of America card.  I didn't plan on using it much.  I really just wanted to get rid of some subprime cards.  I recently got 3 AMEX cards (with $22,500 in available), a USAA card and Barclay Apple card.  So the $1K isn't much help.

WIll they raise my limit if I ask now (SP or HP), or do they do auto CLI's?  Should I wait a certain period of time before asking.

I am in the garden now, for the record.

[dodgerslv]

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@brianjb wrote:

Hi everyone,

I was recently approved for a $1K limit on a Bank of America card.  I didn't plan on using it much.  I really just wanted to get rid of some subprime cards.  I recently got 3 AMEX cards (with $22,500 in available), a USAA card and Barclay Apple card.  So the $1K isn't much help.

WIll they raise my limit if I ask now (SP or HP), or do they do auto CLI's?  Should I wait a certain period of time before asking.

I am in the garden now, for the record.

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BofA can be generous. You can always recon your limit but be prepared for a HP. For CLI request they tend to pull TU. If you really really want or need a higher limit then you should give it a shot. If not then just use the card frequently and im sure you will see some auto cli luv soon! Btw, congrats on the approval.

[jsickz32]

I would just wait for 6 months. If you try right now they will HP you. My BofA amex was approved for 2k and 6 months later i got it to 6k.

[brianjb]

Thanks for the info.

I don't necessarily need the credit right now.  I was just wondering why they started low to begin with.

I will just use the card some, and hopefully it will rise again.

I don't want to do anymore HP's for 6 months or so.

[youngandcreditwrthy]

I needed the credit for a bt.
Got $3500
Reconned via HP on TU and got it to $10,000
That was on a normal BankAmericard Visa.
Think my TU was 705, then dropped to 691 after :-(