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Dp23
Regular Contributor

BoA

Not sure if this has been posted as I couldn't find any info on it. I've tried to get a CLI for a year with no avail. My fico score is a 737. Last March I finally got my secured Americard unsecured after 3.5 years (Oct 2018) & they decreased the limit from $1500-1000. I was able to PC it to the Unlimited Cash Rewards but I haven't gotten as much as $100 increase despite getting a CLI on all my other cards (Amex 3x CLI). I've gotten an offer to apply for the Cash rewards & Americard in the mobile app & mail. If I apply can I combine the limits of the two cards. I don't need a new card I just want a higher limit. No lates, no derogs/collections etc. AA of history is about 2 years.

Message 1 of 10
9 REPLIES 9
mfinsmi1
Established Contributor

Re: BoA

@Dp23 after them treating you so bad why would you want to open up another bank of america card?

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 2 of 10
Dp23
Regular Contributor

Re: BoA


@mfinsmi1 wrote:

@Dp23 after them treating you so bad why would you want to open up another bank of america card?


That is a good question. It is my oldest card but one of my lowest limits however I've had a checking & savings with them for the past 6 years. I just sock drawered the card for the time being.

Message 3 of 10
AndySoCal
Valued Contributor

Re: BoA

@Dp23  I would agree with @mfinsmi1  with his question. As far as the checking and savings part I would look at another bank or credit union your savings will thank you. To help with your search use Depositaccounts.com .  You can customize the search to fit where you live. Also, some the things local branchs or will an internet based bank work for you. The site will give the savings rates for most banks and credit unions.  Something to consider.

FICO Scores XPN v8 802 V2 831 (SDFCU) TUC 803 v8 EFX 807 (10/2023)
Discover 09/90 19,000, JCPenney 10/2008 4,700 US Bank Cash 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 Banking: Ally Bank Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican CU

Pelican State CU Redstone FCU SDFCU auto CLI. 6/24 5000 to 20k

Message 4 of 10
mfinsmi1
Established Contributor

Re: BoA

@Dp23 i had wells fargo checking and savings and my card wouldnt grow. Literally 1 week after i closed all my banking accounts with them they upped my limit 5k . Im not saying thats gonna happen with BOA but you neeed to go where your appreciated. And if your lucky the bank will be like whoa we want their money back and possibly will give u a cli to show they care. BUT nothing changes if nothing changes. I know why you want to open up anther card - you hope your gonna get a huge SL with it , but from what you said i wouldnt trust BOA as far as i could throw them 

 

Disclaimer : i persoanlly dont have any experience with BOA, just my opinion based on my own personal expereinces 

Personal Cards (Over $100k):

Business Cards:

Rebuilding Starting Scores - December 2021

FICO SCORE 8/9 - Current 1/6/23

Stats: : 3/6; 8/12; 17/24 --- AAoA 3 YRS, 8 MO --- INQ: EX-6/TU-7/EQ-2
Message 5 of 10
Dp23
Regular Contributor

Re: BoA

Thanks for the replies. I'll hold off on applying for anything BoA related. I'll also look into a CU for my banking.

Message 6 of 10
CreditCharmer
Regular Contributor

Re: BoA

My experience with BOA has been great.  My card is a fast grower.  Are you applying for soft pull CLI on the app and they're turning you down?  If so, what are they citing as the reason?  
if that's not the case, make the card one of you drivers, give it. Lot of spend. apply for an increase once every 6 months.  It's a soft pull so no harm either way.  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 7 of 10
CreditCharmer
Regular Contributor

Re: BoA


@Dp23 wrote:

Not sure if this has been posted as I couldn't find any info on it. I've tried to get a CLI for a year with no avail. My fico score is a 737. Last March I finally got my secured Americard unsecured after 3.5 years (Oct 2018) & they decreased the limit from $1500-1000. I was able to PC it to the Unlimited Cash Rewards but I haven't gotten as much as $100 increase despite getting a CLI on all my other cards (Amex 3x CLI). I've gotten an offer to apply for the Cash rewards & Americard in the mobile app & mail. If I apply can I combine the limits of the two cards. I don't need a new card I just want a higher limit. No lates, no derogs/collections etc. AA of history is about 2 years.



My experience with BOA has been great.  My card is a fast grower.  Are you applying for soft pull CLI on the app and they're turning you down?  If so, what are they citing as the reason?  
if that's not the case, make the card one of you drivers, give it. Lot of spend. apply for an increase once every 6 months.  It's a soft pull so no harm either way.  

Credit is a lot like a Reputation....It takes 20 years to build it and five minutes to ruin it. If you think about that, and you will do things differently.









Take the myFICO Fitness Challenge


Message 8 of 10
fm92555
Regular Contributor

Re: BoA

I know how you feel. I had finally got BofA to give me a card and it was a lower limit to.

 

I waited patiently and could never get a CLI. I though it may just be that card so I openned another low limit card with them.

 

nothing I did would help...pay off every month, lots of use and nothing.

 

It was about two years or more before I got a CLI. I finally got one last year, then another dry streak, and a second CLI just this week.Now both cards have a 5k limit.

 

I think they will continue to grow, but sometimes it takes a minute. I would be patient and work on other cards until these come around.

 

 

Message 9 of 10
Dp23
Regular Contributor

Re: BoA

Great idea.

Message 10 of 10
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