Whats the Highest BOA credit limit given ???

[navigatethis12]

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@HiLine wrote:

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What???

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Her and my dad were school chums with George Washington, so sometime in that era she got it.

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@HiLine wrote:

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Be careful. I got a hard pull for a CLI request with BofA. I disputed the inquiry and am hoping it would be removed. 

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It was hard for me too, but disputing it will get you nowhere. They would only remove it if it was done without your consent, and it was not.

[Smug]

I only have 10K on mine.

[HiLine]

I wasn't consciously allowing them to make an inquiry, and afterwards I received no communication from them, which is why I wasn't aware of the hard pull until I viewed my credit report a month later. Needless to say, I did not get a CLI either. I'm hoping that I made a good case with the lack of communication on their part.

[youngman1234]

Ok guys I thinks a hard pull every time at least for me it is.....

I wanted to know that I'm currently at 26k limit with 130-150k income, what is the highest I can go ??? Will they give me 50k in 2 years ??

[HiLine]

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@youngman1234 wrote:
Ok guys I thinks a hard pull every time at least for me it is.....

I wanted to know that I'm currently at 26k limit with 130-150k income, what is the highest I can go ??? Will they give me 50k in 2 years ??

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Why do you even care?

If you're a credit limit pursuer, try banking with them. Once you become a preferred customer they'll know enough of your financial situation to grant an even higher credit limit.

[youngman1234]

I care because I use the limits for my business.... I do bank with them both personal/business...

I'm trying to get to 50k so that it helps me for credit that I can use for my business....

[HiLine]

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@youngman1234 wrote:
I care because I use the limits for my business.... I do bank with them both personal/business...

I'm trying to get to 50k so that it helps me for credit that I can use for my business....

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If that's the case, I would talk to a banker and see what he can suggest/offer. If Bank of America holds a lot of your assets they will stick their neck out to please you.

[youngman1234]

Yeah but since the business is new they won't extend me business credit just personal... However my chase banker has been wonderful really helpful with small business lending.....

[navigatethis12]

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@HiLine wrote:

I wasn't consciously allowing them to make an inquiry, and afterwards I received no communication from them, which is why I wasn't aware of the hard pull until I viewed my credit report a month later. Needless to say, I did not get a CLI either. I'm hoping that I made a good case with the lack of communication on their part.

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I doubt the inquiry will be removed. Bank of America will just come back saying that it was you that initiated the request and not some unauthorised person. I am unsure why they did not notify you, but that is not grounds for removing an inquiry. No harm in trying though, and good luck.

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@youngman1234 wrote:
Yeah but since the business is new they won't extend me business credit just personal... However my chase banker has been wonderful really helpful with small business lending.....

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Chase is really good with giving out business credit to a new business in my experience. I was able to get a 5000 (not that much, but enough for inventory) line with the business only being a few months old. I personally would stick with them for business. Bank of America business cards do not have any good rewards that I can see. American Express is also good about giving credit to a new business.

[youngman1234]

Chase has been good for me.... For Amex I have a high risk score cus I'm new to credit(2.5 years) and too many new accounts and inquiries..... boa I tried for a credit card when we first opened but no luck just tried again last week....still waiting on a response...