Update for some folks (BofA only) from a personal experience, including another analyst line. See below.
A few things to help out the general community:
- Another analyst line is 888-762-5486. The system informs you your call may be recorded or monitored for quality assurance and then puts you on hold for a credit analyst.
- There are at least 2 teams of BofA credit analysts--as a Priority Client, the initial credit analyst I spoke to said I'd have more luck asking my question about exceeding $100k in unsecured CL through the bank with a Preferred Client Credit Analyst, to whom they transferred me. My assets with the firm are ~$300k at age 31 and the Preferred Team analyst said that at around $2mn is when you're very likely to exceed the $100k CL. She also said nothing was set in stone and that I can continue trying every so often if I wish.
What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)
What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)
Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.
EQ 759, EX 765, TU 771 (06/10/2022)
I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!
