No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
the problem is Bofa pulls a HP before they will move CL's (GHETTO!)
the advantage if you put $12k more CL on yoru cash rewards yoru balance would be almost under 25% CL so your ratios would look better but if you are collecting your rewards off the better balance then I would probably just do that just depends if you rather just 1 card with higher limit