Bank of America

[Tempted2Pull]

... After exactly one year from today, Bank of America unsecured my secured card and returned my $500 deposit and gave me a $1500 CLI. Thanks BOA, i guess it is the Bank of Opportunity...

[kblatt]

I've had the opposite experience with them .

Just got declined for a CLI on a CC I've used with them since 2008 that has never had a limit increase.  All my accounts are there.  

[Shogun]

Congrats on the OP, sorry to kblatt.  It's always a YMMV type of thing.

[stoopidmunkee]

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@Tempted2Pull wrote:

... After exactly one year from today, Bank of America unsecured my secured card and returned my $500 deposit and gave me a $1500 CLI. Thanks BOA, i guess it is the Bank of Opportunity...

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Congrats!  I didn't have the same luck with them they unsecured my card from a $300 CLI and then upped it to $600 and with an AF.  I want to cancel the card, but it's my oldest line of credit.

[kblatt]

Also forgot to say congrats to OP, during my wallowing in self pity

[kblatt]

As an update for anyone who might be in the same boat as me with BoA... I called them today for recon and spoke to a senior credit analyst.  After a few questions regarding the issues they had with my application, they approved me for my original CLI that I was denied for via their online process!

When I called, I threatened to close my card (had not had a CLI in 5+ years, had great history including all my accounts with them, and have been approved for over well into the 5 figures in CCs in the last 45 days).  

Things to note is that they do NOT re-pull your credit report during a recon, and will not allow you to request they pull from a different CA.  In my case, they initially pulled TU which is the worst of the 3 for me.  They simply visit the items of interest and give you a chance to explain.

Moral of the story: don't let a denied CLI stop you from getting the increase you want / deserve if you truly believe you have a strong case for one with BoA.  They WILL work with you if you can accurately explain your situation and simply don't take no for an answer.

[JonStur]

Way to go!!!

[HiLine]

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@Tempted2Pull wrote:

... After exactly one year from today, Bank of America unsecured my secured card and returned my $500 deposit and gave me a $1500 CLI. Thanks BOA, i guess it is the Bank of Opportunity...

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You must've treated the card nicely. Great job! Congratulations!!!

[Tempted2Pull]

Thanks all! I charged the card and PIF every month. I actually got approved for for a Discover It card for 1500 a month prior so BOA must have reviewed my file and saw that and maybe that's why they upped my limit and unsecured it but who knows. I'll take it  

[Guyatthebeach]

When BOA declined your CLI request, exactly what did they say?  Did you speak to a credit analyst or an account manager?