I was denied for a $600.00 increase on a $3,200 Bank of America Worldpoints Card and was automatically given a $1,000 increase on my Bank of America American Express Card which has a $12,100 CL. Go figure! I thought it might be because my Bank of America Worldpoints card was activated three months ago and too soon to ask for an increase, but from the increases posted here by the OP, that shot that theory to heck!
ok after reading all these BoA threads... and already having a 99/500 for 2 months..
I was playing around on website for preapproval of BoA and last time I was on they didnt pre-approve me nothing but secured but this time I was pre-approve for AMEX, Visa, and some other card for a credit limit of $2500.....
so now it got me thinking...... what is the chance of me getting approved? I do got 1 CA (dropping off next year 4/09) and 1 CO (dropping 2011.. with CO date of 3/2006 but 4/2004 dola) on EX.
Since the last time my util has dropped down to 3% and got couple new CC n' Store Card and EX jumped couple points...
so... should I just take a inq hit and apply online?phone? or wait for 99/500 graduate and product change?
Don't be scared (even though I was). If you are denied you can call back for reconn. That is actually a better process to me because the analyst will go over your report with you which gives you the opportunity to explain to circumstances.