cancel
Showing results for 
Search instead for 
Did you mean: 

$7k Bank of America CLI

luxeprw9
Frequent Contributor

$7k Bank of America CLI

My card started as a secured card with a $500 limit in May 2014.  I did not start receiving increases until January 2018!  My BK13 was discharged August 2016.

May 2014 - $500 Secured SL

Coverted to Cash Rewards card at some point in 2017

January 2018 - increased to $2,300 (HP)

April 2018 - increased to $10,000 (HP)

July 2018 - increased to $17,000 (SP)

 

I also have a BankAmericard that I opened in April 2018 with a SL of $17,000.

 

Data Points

Soft Pull Experian - 753

Utilization on card - less than 1%

Overall Utilization - Under 20% (balance on one card only, with 15 months 0% interest)

$80k income

BOA Platinum Honors

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 1 of 18
17 REPLIES 17
peghede
Valued Contributor

Re: $7k Bank of America CLI

Congrats m8 ,also if u reports are on  iceee can they still sp you?

Message 2 of 18
sjrn
Established Contributor

Re: $7k Bank of America CLI

CONGRATS! $500 to $17k... very impressive. 

 

Have you been using the cc a lot? That is amazing growth in 6mo. My Amex, Chase, and Discover don't grow like that. When I get outta the garden... I may check BoA.



Take the myFICO Fitness Challenge


Starting Scores

Current Scores

Goal Scores
Message 3 of 18
luxeprw9
Frequent Contributor

Re: $7k Bank of America CLI


@sjrn wrote:

CONGRATS! $500 to $17k... very impressive. 

 

Have you been using the cc a lot? That is amazing growth in 6mo. My Amex, Chase, and Discover don't grow like that. When I get outta the garden... I may check BoA.


Thanks!

 

It's my daily driver and the only card I use regularly.  I pay it off before the statement cuts so I haven't carried a balance on it in 2-3 years.

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 4 of 18
luxeprw9
Frequent Contributor

Re: $7k Bank of America CLI


@peghede wrote:

Congrats m8 ,also if u reports are on  iceee can they still sp you?


Thanks!

 

I'm not sure what BOA's policy is on frozen reports.

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 5 of 18
gdale6
Moderator

Re: $7k Bank of America CLI


@peghede wrote:

Congrats m8 ,also if u reports are on  iceee can they still sp you?


Any creditor you are doing business with can get through a freeze with a SP

Message 6 of 18
Jago22
Super Contributor

Re: $7k Bank of America CLI


@luxeprw9 wrote:

My card started as a secured card with a $500 limit in May 2014.  I did not start receiving increases until January 2018!  My BK13 was discharged August 2016.

May 2014 - $500 Secured SL

Coverted to Cash Rewards card at some point in 2017

January 2018 - increased to $2,300 (HP)

April 2018 - increased to $10,000 (HP)

July 2018 - increased to $17,000 (SP)

 

I also have a BankAmericard that I opened in April 2018 with a SL of $17,000.

 

Data Points

Soft Pull Experian - 753

Utilization on card - less than 1%

Overall Utilization - Under 20% (balance on one card only, with 15 months 0% interest)

$80k income

BOA Platinum Honors


Congrats, that is a nice CLI





Message 7 of 18
JAG73
Moderator Emerita

Re: $7k Bank of America CLI

OMG @luxeprw9! So happy for you, congrats! 

I remember those post in the BK forum about the $500 limit that refused to grow. Way to stick it out bc it definitely paid off! 😀

Got some pruning to do... No more new cards!
Message 8 of 18
19eighty5
Senior Contributor

Re: $7k Bank of America CLI

Congratulations!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Aug 2021):EX- 689, TU- 671, EQ- 671
What's in my wallet:



On the chopping block:

Message 9 of 18
sghosh5
Established Contributor

Re: $7k Bank of America CLI

Wow. Congrats. I have a BOA card too which i started as a secured card at 300 and then graduated to non-secured and an auto cli of 200. But since then it had been stuck to that limit for almost 3 years now. I don't/cant use the card much because it will then require me to pay the card multiple times in a billing period. Tried to explain that to them but they keep denying me showing multiple reasons. Hope i could get some increase too some day.

 


 








Shell FCU : 5K
Message 10 of 18
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.