Does boa ever auto increase any card's credit line?

[Christina_xyt]

Or does any card ever auto increase credit limit after like a year or something like that?

[CreditScholar]

I received several, but this is years ago before the GFC. Things were quite different then, and credit was much easier to obtain. I don't use my BofA card at all these days, so I'm not sure what their current policies are.

[takeshi74]

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@Christina_xyt wrote:

Or does any card ever auto increase credit limit after like a year or something like that?

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CLI's are never based on just time regardless of creditor.  It's always credit and income versus underwriting criteria.

[wmweeza]

BofA has been great with CLI for me! My first was at one year on my original CL of $500, then about every 4 months like clockwork I'd get a $600 CLI, since I haven't had the card very long that brought me up to $2300. I just recently requested my first CLI which brought me to $5400, but everything from $500-2300 was auto CLI's.

It seems everyone has a different experience with them. I charge between $30-100, PIF, and I think I've only had a balance report twice. I've never had a late payment. Apparently I'm doing something right because they seem to like my habits I guess! Now I'm just wondering since I requested my first CLI if the auto CLI's will go away, guess I'll find out in about 4 months

[lg8302ch]

BofA has given me auto CLIs on both cards until I reached 5K limits and then it stayed there with no move. So I did take a HP to double the CL on both cards last year...2 for 1 was a good deal and worth the HP

[Mike8181]

In my previous pre BK life about 2 years ago i had their mensa card go from $10000 to $13500.

[Jahmakan]

I used to get them on my VISA card I have with them.  But I have not received an automatic increase for about three years now; I don't NEED it anyway. 

[wacdenney]

My BofA card is about 10 months old.  I run close to $200 every month and PIF and have never gotten any CLIs. 

[TrueGeminiNC]

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@Christina_xyt wrote:

Or does any card ever auto increase credit limit after like a year or something like that?

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I took a HP to go from 1K to 5K.  My account has been open for a little over 1 year.

[MarcinXP]

I got BOA BBR and Fidelity AMEX which is pretty much same as BOA (FIA). Anyway, no auto love, but got best increases out of any bank. Started BOA BBR at $1500 and then requested increase to $5k after 2 months. Granted. Started Fidelity Amex at $1k, when it arrived called backdoor to get it to $2k, no HP. Took a HP 2 months later to get $5k and took another HP just last month (2 months after increase to $5k) for another $5k and granted. $10k. The BOA Better Balance Reward is not worth HP anymore. $5k is fine with me on that card. it sees very little use and just enough to milk $100 a year from BOA and it has Netflix, Credit Monitoring and Gym on it every month!. PIF!