My understanding is that big banks like to see at least 6 months of payment history before they consider CLI requests, or before automatic review for CLI. So, say you opened your account in January, wait until July (Feb-July, 6 months later) to request a CLI. Especially with BoA you can always impress them by saying that you've "been a loyal customer" and they will eat it up. Usually CLI requests with big banks are considered soft inquiries and won't affect your credit score. So either wait a little more and try again, or if you recently got a job and have a higher income, call to ask if that can get you a CLI! Good luck!