Getting a 25K Limit in 10 months-

[Anonymous]

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@Anonymous wrote:

Just out of curiosity, was your BoA MasterCard previously an MBNA card? I remember about 4 or 5 years ago, when the Prime Rate was around 4.0-4.5%, I frequently received preapproved offers from MBNA for credit cards that had 5.9% Fixed APRs.

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Yup, it was an MBNA that I applied for a free t-shirt to get in college and it ended up being a great offer that I've kept since!

[fused]

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pjriverap wrote:


Those are some geat CLIs fused! If you don't mind me asking, what was your HHI range during the last few (e.g. 60-80K, 80 -100K, or 100K+)? Thanks for sharing your experience!

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100+K HHI

[jsmith12345]

I charged my BOA up to almost max in one month ($25k at the time) and then paid it off in full (I was testing what a non-reporting CL would do to my credit report).  Then I put in for a CLI without entering the amount (you don't have to with BOA).  My scores are all mid-700's (I also bank with them, so they know my income is legit).  They doubled my CL to $50k the next day.  My strategy was to show them I used the credit they had given me, but did it responsibly....  Seemed to work, thought it might be helpful for ya.  Good luck on it!

[Anonymous]

Just as a side, check with the car dealership that they would take a CC payment. I have a coworker that wanted to do the same thing but was unable to, He had the credit limit and credit available to make the purchase but either the CC or the dealership would not allow to to make the transaction. (not sure which)....  It would really suck that you wold go thru all the work to get the CLI on a CC to make the purchase then one of them putting the kabash on it.

~AttaGirl

[MidnightVoice]

My Toyota dealer will take no more $1000 on a CC

[Anonymous]

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@Anonymous wrote:

Just as a side, check with the car dealership that they would take a CC payment. I have a coworker that wanted to do the same thing but was unable to, He had the credit limit and credit available to make the purchase but either the CC or the dealership would not allow to to make the transaction. (not sure which).... It would really suck that you wold go thru all the work to get the CLI on a CC to make the purchase then one of them putting the kabash on it.

~AttaGirl

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good point...thanks and will do!

[Anonymous]

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@pjriverap wrote:

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@Anonymous wrote:

Just as a side, check with the car dealership that they would take a CC payment. I have a coworker that wanted to do the same thing but was unable to, He had the credit limit and credit available to make the purchase but either the CC or the dealership would not allow to to make the transaction. (not sure which).... It would really suck that you wold go thru all the work to get the CLI on a CC to make the purchase then one of them putting the kabash on it.

~AttaGirl

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good point...thanks and will do!

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BoA might be able to provide you with convenience checks at your 5.9% APR, that a car dealer might accept.  You'd have to call BoA and inquire about this.