topic Re: BOA CLI in Credit Card Approvals

BOA CLI

NAVYCHOP — Sat, 05 Jul 2025 13:09:57 GMT

Just wanted to say thank you for the advice I have received on this forum regarding BOA credit line increases. A few years ago I obtained a BOA Amtrak card in 2021 which was promptly sold off to FNBO. It annoyed me because BOA moved most of my credit line leaving me with a mere $2k on my Alaska Air which the bank would never raise over the last four years.

So I sock drawered the Alaska card and applied for the Premium Rewards Elite in Sept 2024. BoA gave me a $25k SL on that card. I since moved from Gold to Platinum Honors. I used the card heavily never paying interest over the last ten months. In June the CLI button showed up for the first time. Based on advice from this forum, I brashly asked for a CLI to $95k and the soft pull approved an increase from $25k to $45k. I never would have assumed I would be granted a $20k increase after the trouble I had with no CLIs on the Alaska card. Thus, I never would have received such a large increase, had it not been that some on this forum suggested asking for a large $95k CL. Thank you!

Along with the SUB, I have built up enough points in ten months to redeem for about $4000 in airline tickets with their 20 percent bonus for air redemption so the card has been a good fit for me.

Re: BOA CLI

JoeRockhead — Sat, 05 Jul 2025 13:11:12 GMT

Outstanding increase, congratulations on your new liimit!

Re: BOA CLI

Dcowboy08 — Sat, 05 Jul 2025 14:01:02 GMT

Grats on that CLI and the Brashness...

Re: BOA CLI

coreyb80 — Sat, 05 Jul 2025 16:28:53 GMT

Congrats on the bump!

Re: BOA CLI

Anonymous — Sun, 06 Jul 2025 15:18:21 GMT

Congrats!

Re: BOA CLI

cashorcharge — Sun, 06 Jul 2025 17:06:03 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Re: BOA CLI

LivingTheAmericanDream — Mon, 07 Jul 2025 04:31:33 GMT

Sweet CLI - congrats!

Re: BOA CLI

firefox100 — Mon, 07 Jul 2025 14:03:56 GMT

Congratulations on great credit increase way to go, enjoy it have fun at it.

Re: BOA CLI

Copenix — Wed, 09 Jul 2025 14:59:27 GMT

That's great - strong increase. Congrats.

Re: BOA CLI

dfwxjer — Wed, 09 Jul 2025 15:47:47 GMT

Congrats! Once the relationship is established, BofA is generous with credit limits.

Re: BOA CLI

youngandcreditwrthy — Wed, 16 Jul 2025 06:45:19 GMT

WOW CONGRATS!!! And enjoy that free airfare!!!

Re: BOA CLI

SPChaser — Tue, 18 Nov 2025 03:51:46 GMT

@NAVYCHOP wrote:
Just wanted to say thank you for the advice I have received on this forum regarding BOA credit line increases. A few years ago I obtained a BOA Amtrak card in 2021 which was promptly sold off to FNBO. It annoyed me because BOA moved most of my credit line leaving me with a mere $2k on my Alaska Air which the bank would never raise over the last four years.

So I sock drawered the Alaska card and applied for the Premium Rewards Elite in Sept 2024. BoA gave me a $25k SL on that card. I since moved from Gold to Platinum Honors. I used the card heavily never paying interest over the last ten months. In June the CLI button showed up for the first time. Based on advice from this forum, I brashly asked for a CLI to $95k and the soft pull approved an increase from $25k to $45k. I never would have assumed I would be granted a $20k increase after the trouble I had with no CLIs on the Alaska card. Thus, I never would have received such a large increase, had it not been that some on this forum suggested asking for a large $95k CL. Thank you!

Along with the SUB, I have built up enough points in ten months to redeem for about $4000 in airline tickets with their 20 percent bonus for air redemption so the card has been a good fit for me.

Here I am searching for BOA DPs, and found this. I was not aware that we should shoot for $95K CLI; I would've done that a long time ago. A couple of days ago, I requested the $95K CLI, and was given the 20K . BOA took over a year to open its purse for me. Account was open on 5/12/24. First CLI granted on 8/20/25 from $21,000 to $31,000 after steady card usage with PIF. Then, on 11/16/25, less than 3 months since the last CLI, I decided to take a swing at the bat, and I was given $51,000 TCL. This, again, with continued steady usage and PIF.