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Contributor
Posts: 118
Registered: ‎12-01-2010
0

Re: Bank of America Credit Limit Increase Question

I just got off the phone with a BoA senior credit annalist who raised my CL from 1000 to 2500(what I asked for). Her main focus was that I made ontime payments to BofA and that they were larger than the minimum-usually 6x the min. 


Discover More- $4000 Lake Michigan C.U. $4500-6.9%
Amex blue cash-$1000 Amex Delta -$5000 Cap One $6500
Amex Starwood-$2000 Amex Costco-$1200
Chase Freedom$3000 Chase Sapphire Preferred-$5000
BoA- Spirit WORLD MC-$ 5000 BoA-power rewards $2500
PayPal Extras MC $1500
Ex:655,EQ:674,TU:647- (all FICO)Low due to 60% Utilization
Contributor
Posts: 118
Registered: ‎12-01-2010
0

Re: Bank of America Credit Limit Increase Question

It says call for an instant decision. BoA is BIG on talking to you before they grant the increase.  They just have you confirm-say yes to what you have listed in your income and years of employment.  The great thing is that you are talking to the person who is actually making the decision so be prepared to state your case if need be and don't be shy!! Once you hang up the phone it's done.  Good luck!!


Discover More- $4000 Lake Michigan C.U. $4500-6.9%
Amex blue cash-$1000 Amex Delta -$5000 Cap One $6500
Amex Starwood-$2000 Amex Costco-$1200
Chase Freedom$3000 Chase Sapphire Preferred-$5000
BoA- Spirit WORLD MC-$ 5000 BoA-power rewards $2500
PayPal Extras MC $1500
Ex:655,EQ:674,TU:647- (all FICO)Low due to 60% Utilization
Regular Contributor
Posts: 153
Registered: ‎04-17-2011
0

Re: Bank of America Credit Limit Increase Question

[ Edited ]

After reading very carefully in this thread, I've decided to give it a try. Last night, clicked the luv button and requesting a 3k CLI then went to bed. Woke up this morning checked my online account and nothing happened. Later this afternoon, checked it again -- 3k CLI.

 

So, the action of click it and forget it really work.

 

Thanks the OP and everybody Smiley Tongue

Starting Score: 547
Current FICO Score: TU 747, EQ 732, EX 742 [10/2014]
Goal FICO Score: 777
Established Contributor
Posts: 961
Registered: ‎12-21-2010
0

Re: Bank of America Credit Limit Increase Question

How long have you had the card?
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Regular Contributor
Posts: 153
Registered: ‎04-17-2011
0

Re: Bank of America Credit Limit Increase Question


Smug wrote:
How long have you had the card?

One year and this is my first ever dare to bite the bullet to left-click that luv button. Without following this thread first, I won't have the gut to do it though.

Starting Score: 547
Current FICO Score: TU 747, EQ 732, EX 742 [10/2014]
Goal FICO Score: 777
Established Member
Posts: 27
Registered: ‎03-26-2011
0

Re: Bank of America Credit Limit Increase Question

Ok, I've had my Platinum Plus Visa for years. Hit the cli button just now and it's telling me my request has to be more than my current line? What?

 

There was a problem processing your request.
  • The credit line requested must be more than your current credit line
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0

Re: Bank of America Credit Limit Increase Question

[ Edited ]

EC341 wrote:

Ok, I've had my Platinum Plus Visa for years. Hit the cli button just now and it's telling me my request has to be more than my current line? What?

 

There was a problem processing your request.
  • The credit line requested must be more than your current credit line

To me, it reads like it's saying that you requested a new CL that is the same or lower than your current CL.

 

Did you maybe make a typo when entering the requested CL?

 

--and I think that you enter the total figure that you want to wind up with, not the amount of the increase.

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
Posts: 27
Registered: ‎03-26-2011
0

Re: Bank of America Credit Limit Increase Question

Yes, maybe I misread. It says enter the amount you request. I did not add that to my current cl.

 

thanks

Valued Contributor
Posts: 1,361
Registered: ‎02-07-2010
0

Re: Bank of America Credit Limit Increase Question

SUCCESS!!!

 

today i requested a CLI from bank of america, and i requested 7300 specifically; i was approved instantly and didn't even have to make a call. i checked experian and equifax, and so far nothing has come up either hard or soft. so i am crossing my fingers hoping that when i pull up truecredit tomorrow, it will confirm that there was no hard pull. i probably could have asked for a higher credit limit, but i am being conservative about this as i want to appear well but am careful not to overdo it as i still want to appeal to capone and first national bank of omaha. 7300 is a milestone as it is the higest limit i have ever had with bank of america. (before in 05 when credit was loose, i had 7000)

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859
Valued Contributor
Posts: 1,361
Registered: ‎02-07-2010
0

Re: Bank of America Credit Limit Increase Question

NO. sad sad... i accidentally request all three reports and scores for 30 dollars just to find out that BofA hard pulled my transunion. very sad. so now i am out 30 dollars AND i have a stupid hard pull on my transunion. sad sad sad... Smiley Sad

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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