Bank of America Automatic Credit Line Increase

[TrueGeminiNC]

Has anyone ever received an automatic credit line increase from Bank of America?  I currently have a BOA Platinum Cash Rewards card with a $4K credit limit.  I am interested in the Signature Cash Rewards card which requires a min. $5K credit line.

From most of the online posts, it appears as if BOA requires a hard pull for customer initiated credit line increases.  Does anyone have any insight as to BOA's automatic credit limt increase process?

I am trying to stay away from hard pulls as I will be applying for a mortgage in the next 3 - 6 months.  

[negg]

  21 months no luv.  BofA require HP for any CLI.  According to them, it's a federal law they must HP for all CLI. This card will never see daylight. 

[DaveSignal]

My current BoA card was increased following request and HP. I wouldn't count on them doing anything automatically. You should wait until after your mortgage is approved.

[TrueGeminiNC]

Thanks for the quick responses. 

[Anonymous]

My dw has gotten a auto  cli from 5k to 7k 

[Anonymous]

My BOA card gave me a auto cli from 800 to 1.4k. I then requested a CLI to 5k which they approved but that cost me a HP.

[TrueGeminiNC]

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@Anonymous wrote:

My BOA card gave me a auto cli from 800 to 1.4k. I then requested a CLI to 5k which they approved but that cost me a HP.

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Do you have other BOA relationships i.e. checking, savings, investment?   I bank primarily with Citi.  However, I do have a checking, savings and Merrill Edge account with BOA.  The combined balances for these accounts is less than 1.5K.  

I was wondering if shifting more of my banking to BOA  would help my chances of an automatic CLI.  

[OhioCPA]

I received an auto increase from $6K to $10K about 4 months ago on my BoA Travel Rewards card. My increase was to the day of the one year anniversary of my last increase. It was also after heavy use on the card during the previous month.

[lg8302ch]

BofA gave me auto-clis  1500 - 2500 -3500 -5000 and then it got stuck with auto luv for many years (approx 10 years) so I invested my first HP to 10K two months ago. it is not impossible but I would assume at a certain level it is only with HP.

[Fico2Go]

If BOA is this difficult for auto CLI why not app for a new product and transfer the CL to your best product?  

Whether it's BoA or any issuer my thinking is if it's going to cost a HP might as well do a new app and transfer the CL.