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BOA Americard Approval $5k. Recon for 10k?

dlister70
Frequent Contributor

BOA Americard Approval $5k. Recon for 10k?

I have around $10k on my Discover It card, and the 0% interest is up in about 5 weeks.  I applied for the Americard so that I could transfer the Discover balance, but I was only approved for $5k.

 

Should I wait until I get the actual card before calling recon?  Or could I call them now even though I don't have an account number?

 

Has anyone had success with BOA with upping the limit immediately?  I've done it before with US Bank when they gave me a Cash+ card with only $500 and I asked for $5000 and they gave it to me.  I'm hoping it will be that easy here, but I haven't had a BOA card in a long time.

Message 1 of 15
14 REPLIES 14
Girlzilla88
Valued Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

I think with any card your best bet is to try asap Smiley Happy










Message 2 of 15
M_Smart007
Epic Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

 

Congrats on yer approval!

 

popcorn eating emoticon.gif
Message 3 of 15
Pro-X
Frequent Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

Congrats on your approval!!


Message 4 of 15
Marz2002
Valued Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

CONGRATS on your BoA Americard approval - I would recon ASAP! 

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $211K+ | Rebuilding since April 2018
Message 5 of 15
AllZero
Super Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

Congratulations on your approval!
Message 6 of 15
Meanmchine
Super Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

So you want to get a CLI on your new BoA card so you can max it out immeditely  Definately a horrible idea


3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>12/2020 CCT EX 821 TU 826 EQ 840


"Survival kit contents check. In them you'll find:

- One forty-five caliber automatic
- Two boxes of ammunition
- Four days' concentrated emergency rations
- One drug issue containing antibiotics, morphine,
vitamin pills, pep pills, sleeping pills, tranquilizer pills
- One miniature combination Russian phrase book and Bible
- One hundred dollars in rubles
- One hundred dollars in gold
- Nine packs of chewing gum
- One issue of prophylactics
- Three lipsticks
- Three pair of nylon stockings.

Shoot, a fella' could have a pretty good weekend in Vegas with all that stuff."

Major Kong (Slim Pickens) in Dr. Strangelove 1964
Message 7 of 15
Medic981
Valued Contributor

Re: BOA Americard Approval $5k. Recon for 10k?



Congrats ! ! !

















Your FICO credit scores are not just numbers, it’s a skill.

Message 8 of 15
dlister70
Frequent Contributor

Re: BOA Americard Approval $5k. Recon for 10k?

I called the recon line, and they wouldn't increase the limit stating the reason was that the account was less than 12 months old.  But that I was welcome to try again in a few days and see if I get a different answer.  It sounds like they were just requesting a normal CLI.

 

I called this number from the backdoor thread:

 

BofA: 800-354-0401 (Recon) - app100

 

Is there a better number to call for this sort of request?

Message 9 of 15
dlister70
Frequent Contributor

Re: BOA Americard Approval $5k. Recon for 10k?


@dlister70 wrote:

I called the recon line, and they wouldn't increase the limit stating the reason was that the account was less than 12 months old.  But that I was welcome to try again in a few days and see if I get a different answer.  It sounds like they were just requesting a normal CLI.

 

I called this number from the backdoor thread:

 

BofA: 800-354-0401 (Recon) - app100

 

Is there a better number to call for this sort of request?


I tried this number today:

 

BofA:  866-618-4585 (Sr Credit Analyst) ~corymcdd88

 

They said that they could put in a CLI request for me, but saw that I had just done one a few days ago with the other number.  I explained that I wasn't trying to initiate a credit line increase, I was wanting a higher starting limit.  I explained that I had done this with US Bank before, and spoke with someone in underwriting and they changed my initial limit for me.  She said that Bank of America would only change the limit with a credit line increase, and since the reason for denial was that the card was too new, she didn't think it would be any different today, but could check for me.


I told her not to check if it was just going to be a regular CLI, and asked if there was anyone who could manually review the situation, and she said no.

 

I appear to have hit a brick wall, and can't find any numbers for underwriting for BofA.

 

Does anyone else have an idea?

Message 10 of 15
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