BOA Bucketing Cards?

[NAVYCHOP]

I've had a Alaska Airlines card for about 12 years.  With no knowledge from this forum I was stupid to close a no rewards Bank Americard from the late 1980's when I obtained the Alaska card.  About three years ago I applied for the BOA Amtrak card.  They moved all my credit limit from Alaska to that card shortly before they sold it off to FNBO and my remainder credit line was $2000 on the Alaska card.  I have been charging about $1800 a month on that card over the last two years, paying it before the due date so I am not maxed out and hoping they would raise the CL based on spend-- never happened.  Every time I asked for a CLI every six months on the Alaska card BOA denied with comments about current loss trends, despite the spend I sent through the account.  Today they denied a CLI again on the Alaska card while being a Preferred Rewards platinum Honors member with a FICO 8 score about 806.  Then I gambled and took a hard pull to apply for the Travel Rewards card.  About three hours after submitting the request, I suddenly found I had the Travel card approved with a $25k credit line.  I suppose this indicates that once BOA  lowers the CL on an over 10 year established card it is a lost cause but BOA will approve a substantial line on a new card.

[markbeiser]

What reasons did they give for denying the CLI on the Alaska Airlines card?
It would have been sent to you by mail.

I had a struggle for a while getting a CLI on my old CCR card after my credit rebuild, despite being Platinum Honors, but then I s got the Susan G. Komen card, and they suddenly got more generous with CLIs on my old CCR card.

It almost felt like I was in time out for a long time based on old credit data until I applied for something new that caused them to hard pull my credit reports and reset it.
To be fair, I did have some lates during my financial meltdown in 2015 and 16, and had my CCR maxed out for a couple of years, but they never threatened to close my account or balance chase me. They were one of only 2 banks that gave me a break and lowered my APR and payments for a few months, without overt repercussions, but I feel like I was on some sort of internal list for a long time after I got things going in the right direction again.
No idea if his was the actual case though.

[NAVYCHOP]

I think you have raised some good issues for data points.  Back in 2019 when I was hospitalized for an extended period, I had a $70 30 day late with BOA on the Alaska account which will drop off in 2026.  When I first applied for CLI about two years ago, they said they could not approve my CLI because I had few assets with the bank before I became Platinum Honors.  During the 2019 period , I also had a $105 30 day late during the hospitalization with SDFCU which prompted them to close my credit card with a $27k credit line which they had granted me in 1991 and never raised (very generous 30 yrs ago) but which was a no rewards card.  When I paid the SDfCU balance off two years ago, I reapplied for their 2 percent cash back card and they gave me a $30k credit line.  Then when I asked BOA for a CLI with the preferred rewards program over the last 18 months, they said I had too many credit inquiries with two on my record.  (SDFCU and Macys). BOA always mentioned that my FICO score was over 800.  At least this shows you can have FICO scores over 800 with 30 day lates.  Maybe the hard pull prompted the closer examination and approval for the BOA travel rewards despite the CLI for the Alaska card denial earlier today.  Also while the 30 day lates did not drop the score on a thick file, perhaps that was the underlying reason not mentioned.  Currently I pay all my accounts in full.

[zerofire]

The 30day will not help the case but it will not destroy it either. People do make mistakes and the wealthy make them big. Today's billionaire is tomorrows spectacular failure if they make a wrong move. My guess is that the environment is hostile to expansion especially for banks and when you combine a damaged history they would rather keep everything as is instead of increasing risk. Lastly if your having issues you can talk to your personal banker if you have one. If they vouch for you then there is a chance applications would go through easier.