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BOA 99/500 Now $7200 in less than 3 yrs!!!!

adamseve
Established Contributor

BOA 99/500 Now $7200 in less than 3 yrs!!!!

Hi,

 

I restarted my credit journey in 2013 after filing C7BK.  Naturally it was tough getting credit cards with anyone with a decent limit let alone the big boys especially after IIB ones like NFCU & Chase Smiley Frustrated

 

So, I put on my big girl pants on & app'd for the BOA 99/500 card in 2017 and was approved.  After 1 year of excellent handling I got my $99 back, but my limit stayed the same.  I called last July & literally BEGGED for an increase.  They increased the limit to $2k.  Over the last 8 months I've used the card faithfully and today I called the Sr. Credit Analyst # & requested a CLI to $7,500.  I rationalized that if I overshoot at least I'd get $5k and not leave anything on the table if they decided to give me more.  In less than 30 seconds she came back and said, "We can't quite meet your requested limit, but your new limit is $7,200.  Does that work for you?"  I think I stuttered and said, "Yes ma'am, it works quite nicely and I thank you for the generosity".  She told me that she could tell I had taken great care with my credit since my BK and I totally deserved the CLI!  She also told me that if I continue down this path I'll be able to get more products with BOA!  

 

Moral of the story:  closed mouths don't get fed, do what you say you're going to do & you'll be rewarded, & don't be afraid to ask for what you want!

 

Hope this helps someone who's rebuilding and has this card or another secured card...THEY WILL GROW IF YOU DO THE WORK!

Message 1 of 20
19 REPLIES 19
VoltronM
Senior Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!

Congrats on very nice CLI !!!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 20
adamseve
Established Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!


@VoltronM wrote:

Congrats on very nice CLI !!!!!

 

 


Thank you kindly...a bit early to drink a glass of wine, but I'm killing this coffee!

Message 3 of 20
CS1974
Valued Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!

Congrats 😊
Do you bank with them too..or just the card
July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 4 of 20
gdale6
Moderator

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!

Nicely done, congrats.
Message 5 of 20
JaseT
Established Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!

Was the 99/500 offered to you after you app'd for another card?


BK7 Filed 12/16, Discharged 3/17 *** Current Revolving CL Total $122.1k *** PIF/AZEO
6/19 FICO SCORES:
On My Radar Cards: Nothing ATM
Future Goal Cards: US Bank Cash +, Citi Double Cash, Discover It, BoA Cash Rewards, USAA Cashback Rewards Plus Amex
Message 6 of 20
Heatt99
Regular Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!

Congratulations

My $500 full secured card just unsecured at 8 months last month. No increase! I'm hoping to follow a path such as yours, but at a faster pace.
Message 7 of 20
adamseve
Established Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!


@CS1974 wrote:
Congrats 😊
Do you bank with them too..or just the card

Thank you so much!

 

I only have the card with them.  

Message 8 of 20
adamseve
Established Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!


@gdale6 wrote:
Nicely done, congrats.

Gracias!

Message 9 of 20
adamseve
Established Contributor

Re: BOA 99/500 Now $7200 in less than 3 yrs!!!!


@JaseT wrote:

Was the 99/500 offered to you after you app'd for another card?


No it wasn't.

Message 10 of 20
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