topic Re: BOA CLI $90k > $99.9k in Credit Card Approvals

BOA CLI $90k > $99.9k

audioman00 — Tue, 17 Feb 2026 22:31:45 GMT

Well, I'm in the $99.9k club. Really wish it could be an even $100k Scores in low 800s. Mortgage one year ago, but no other new accounts since 2022.

23 year old card - converted from MBNA to BOA and then through several BOA products. Currently a Premium Elite. Very light usage on the card.

Trying to consolidate cards and keep overall limits high. This was a $18k card when I joined this forum 6 years ago - so thanks for all of the great education on here.

Re: BOA CLI $90k > $99.9k

coreyb80 — Tue, 17 Feb 2026 22:37:28 GMT

Congrats on the increase!

Re: BOA CLI $90k > $99.9k

pizzadude — Tue, 17 Feb 2026 23:45:40 GMT

Congrats on the almost 5X growth over the past few years !

Re: BOA CLI $90k > $99.9k

E36 — Wed, 18 Feb 2026 05:58:29 GMT

Congrats! Is that a JP Morgan Reserve card in you signature? 🤯

also MBNA. That's a blast from the past.

Re: BOA CLI $90k > $99.9k

audioman00 — Wed, 18 Feb 2026 21:24:29 GMT

@E36 yup. Interestingly, it's a hidden trade line, as was my original MBNA card that this post was about.

Re: BOA CLI $90k > $99.9k

E36 — Wed, 18 Feb 2026 21:48:12 GMT

@audioman00 wrote:
@E36 yup. Interestingly, it's a hidden trade line, as was my original MBNA card that this post was about.

If you don't mind me asking, Is $10M a requirement?

Re: BOA CLI $90k > $99.9k

cashorcharge — Thu, 19 Feb 2026 00:07:41 GMT

Congratulations on your Approval!!👏🏼🍾🥂

Re: BOA CLI $90k > $99.9k

audioman00 — Tue, 24 Feb 2026 00:26:40 GMT

@E36 mostly yes, though you can also have business assets that meet a much higher threshold that allow you to bypass the personal asset requirement.

Re: BOA CLI $90k > $99.9k

Ontherise2020 — Sun, 01 Mar 2026 18:26:05 GMT

Congrats on your BoA CLI increase!! Do you have other BoA Credit Cards? I ask because I recently received their Premier rewards card, and they redistributed credit from one card to this new one, as I have multiple cards. I am also wondering if $99K is the limit across all credit cards with BoA.

Re: BOA CLI $90k > $99.9k

coldfusion — Fri, 06 Mar 2026 15:10:09 GMT

@Ontherise2020 wrote:
Congrats on your BoA CLI increase!! Do you have other BoA Credit Cards? I ask because I recently received their Premier rewards card, and they redistributed credit from one card to this new one, as I have multiple cards. I am also wondering if $99K is the limit across all credit cards with BoA.

The default is $99.9K maximum across all BOA cards held but they will waive that on a case-by-case basis for a high value client regardless of whether the relationship is primarily with BoA or with Merrill.

Edited because I didn't address the other part of your question - BOA is known for sometimes silently reallocating limit from an existing card in order to approve a new one. This is a function of how much if any additional unsecured credit they are willing to extend to an existing client and isn't directly tied to the $99.9K threshold.

Re: BOA CLI $90k > $99.9k

SeanA — Fri, 06 Mar 2026 23:11:21 GMT

So close! Seems a bit random they'd land on that. Congrats though!