BofA CLI??

[Creditplz]

So I applied for BofA Cash Rewards Credit card 2 months ago and got an instant approval of $500!!! not much i know... but with my numbers its okay, I am a Full-time Student and work for my dad (construction) part time to bring in 45-49,000/ yr, With heavy usage of 100% of my limit and PIF every month what should i ask for as a first CLI in another 4 months?? 

[OmarGB9]

I don't know if boa lets you ask for a certain amount.

[Anonymous]

You can attempt at 4 months. Is there a button showing on your account that will let you request? 

They will ask how much you want when you request.

[Creditplz]

Not yet i have only had the card for 2 months now, but i've charged $500 (my full amount) and PIF everymonth since.

[FinStar]

OP, for best results try at 6+ months.  BOA likes to see some history with the card so continue with the positive usage/PIF (rinse & repeat).  If you were only given a marginal SL, then that signals the most they felt comfortable with lending you at the time. 

[Anonymous]

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@FinStar wrote:

OP, for best results try at 6+ months.  BOA likes to see some history with the card so continue with the positive usage/PIF (rinse & repeat).  If you were only given a marginal SL, then that signals the most they felt comfortable with lending you at the time. 

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+1 👍

[ScoreOrBeScored]

They do allow you to enter the amount you would like to request. It's a HP on TU for the request.

if I were you, I'd call the back door and do it over the phone. Tell them to review your account and look

at your usage and payment history and I would request $15k.

my travel rewards went from $2k to $15k with it just being 1 month old. 

[Creditplz]

Scoreorbescored do you think they will counter a good number? My highest card is $2250 being a WF Visa.

[ScoreOrBeScored]

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@Creditplz wrote:
Scoreorbescored do you think they will counter a good number? My highest card is $2250 being a WF Visa.

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What's your TU score ? What's your Utl ? How many cards do you have with a balance and what are the balance/limit ?

Boa will doesn't mind being your highest limit card. Need a little more info though.. Andy baddies ? 

[Creditplz]

TU as of last week is 691 and utl is high at 67%, I just made 2 payments so that should go down to 32% and when I do my taxes I'm lowering that to 10% and BofA is 22/500 , Wells Fargo is 819/2250, Capital One is 0/300, Capital One / Saks is at $650/2000? I think?? And discover I lowered to 100/750