BofA CLI rejected due to reaching 99.9k CL

[linlinyidan]

I usually asked CLI every half year to lower my overall utilization ratio. Recently I was rejected by BofA:

    "The amount of credit extended to you by us and/or our affiliated meets or exceeds our maximums."

Then I just learned that there is a 99.9k aggregated limit for BofA credit Cards.

I applied a new BofA Customized Cash Card in 2024 September, and got a nice CL. However a few weeks later I got a mail said they lowered the CL of one of another my BofA credit card. Because the overall CL still increased, I did not pay attention to the aggregated CL, until now. I calculated today my CL from all BofA credit cards: it is exact 99.9k.

I am Platinum Honers tier. Two of cards from BofA have more than 10% utilization ratio. One is about 41% the other is 65%, as I took advantage of the intro APRs. FICO score from the BofA letter is 780. All three credit reports are frozen.

I am not sure if there is any other factor could help go over the 99.9k limit.

[coldfusion]

@linlinyidan  they'll consider going over the $99.9K threshold if they see you as a high-value client or show significant potential of transitioning to becoming a high-value client.   it can be done by someone with PH status and checking account with regular monthly activity both inbound and outbound but odds are better if ones combined BoA/Merrill portfolio is on the order of several hundred K $,  I've known of members here in the past who have had an aggregate BoA CL in the $150-200K range, I'm not quite at that level.

Your experience with the limit reallocation is not unique, they've become  pretty well-known for at times unilaterally and silently reallocating limit from an existing card to approve an application for a new one.