Congrats
I too got an automatic CLI on my BoA 123 card today that was opened in 5/14/15 - so not even 9.5 months old. It was totally expected. News came via email. CLI went from $5k to $7k. I did a 0% direct deposit to bank account for $2300-$2500 within a month of opening and have paid at least $100 per month on it. Very few purchases made with it. Last updated on my CRs on 2/6/16, balance of $1484, high balance of $2443, limit of $5000, type 'flexible spending account' and my current balance is as reported $1484 - 29.7% utilization. My due date is the 4th and I'll make my $104 payment later today.
After my payment UTI will be down to 19.7%.
I have an older BoA BBR card that I opened 2/13/13 (3y1m old). This is my 2nd oldest CC and was a 123 until I got a PC after I got the newer card. Last updated on my CR 2/20/16, balance $2293, high balance $2920, limit of $5000, type 'credit card', and my current balance is $2293 - utilization of 45.9%. Don't use this card at all except paying $100 a month after a took a 0% BT/15 months offer in June 2016. Taking advantage of the 0% for sure - mortgage interest savings
So at the time of CLI today my 2 BoA cards had a combined balance of $3777 and limit of $10000. Hard to figure out the UTI here but I'll guess 37.77%.
My overall revolving utilization across all accounts is 31% with 1 account being at 80%. My Discover - forgot I had a preorder authorized and didn't make payment.
(Off subject when my Disc went from ~95% UTI to 80% my FICO scores went up 8-12 points so individual utilization matters a lot. It's a $2500 secured card that I use a lot and average $3-7k spend per month on it. Can't believe I only got the secure offer for the card but I took at and made max deposit as it hands down the best CC of 2015 with the 10% - I mean 20% Cashback for ApplePay (up to $10k) due to double CB for year and 5% (10 doubled) category and very importantly the Discover Deals! They just better really double back both our CB as my finance got the card too and we take full advantage of it.
FICOs 08 this month are all 700-710.
After my payment UTI will be down to 19.7%.
I have an older BoA BBR card that I opened 2/13/13 (3y1m old). This is my 2nd oldest CC and was a 123 until I got a PC after I got the newer card. Last updated on my CR 2/20/16, balance $2293, high balance $2920, limit of $5000, type 'credit card', and my current balance is $2293 - utilization of 45.9%. Don't use this card at all except paying $100 a month after a took a 0% BT/15 months offer in June 2016. Taking advantage of the 0% for sure - mortgage interest savings
So at the time of CLI today my 2 BoA cards had a combined balance of $3777 and limit of $10000. Hard to figure out the UTI here but I'll guess 37.77%.
My overall revolving utilization across all accounts is 31% with 1 account being at 80%. My Discover - forgot I had a preorder authorized and didn't make payment.
(Off subject when my Disc went from ~95% UTI to 80% my FICO scores went up 8-12 points so individual utilization matters a lot. It's a $2500 secured card that I use a lot and average $3-7k spend per month on it. Can't believe I only got the secure offer for the card but I took at and made max deposit as it hands down the best CC of 2015 with the 10% - I mean 20% Cashback for ApplePay (up to $10k) due to double CB for year and 5% (10 doubled) category and very importantly the Discover Deals! They just better really double back both our CB as my finance got the card too and we take full advantage of it.
FICOs 08 this month are all 700-710.