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BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

Valued Contributor

BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

I've had this BOA Merril Lynch Visa+ card for 1 year and 19 days (12/8/16) and I got a starting credit limit of $25,000 plus got a whopping $500 cash back for using $3K on it in the first three months. 

 

Then at the six-month mark, I asked for $50,000 and they came back (not instant I thought I was denied) and approved me for a $40,000 limit.

 

Then I was going to ask for $60,000 with the hopes they countered with $50,000 at the one-year mark but another MF member said he got the exact same limits as me ($25K ==>$40K) but he asked for $75,000 and they countered with $60,000.

 

So that's what I did I asked for $75,000 and got an INSTANT $60,000 approval. 

 

I pulled my FICO 08 EQ yesterday and it had six hard inquiries (5/6 are one year or older and the other one was 6 months old), single digit utilization, and a 778 score.

 

I'm CLI spreeing today (been in the garden six months) and I just got approved for a $20,000 AMEX Blue Cash (+ $150 cash back if I spend $1K in 90 days) and hopefully, at the 61 day mark I can get that starting limit up to $30K-$35K without POI. I got a PLOC CLI with RBFCU and a PLOC and CC CLI to try with PenFed later today once they open. 

 

Merry belated Christmas and Happy New Year to everyone. Smiley Very Happy

 

BOA $60K limit.jpg

AAoA = 4.1 years|Oldest Account = 14 years|Inquiries = 1-EX, 2-EQ, 1-TU. I have the credit patience of a Buddha and Yoda love child, but the credit anger of The Hulk if I get a starting credit limit under $10,000!

$80,000 Merrill Lynch Visa+|$41,000 AMEX Blue Cash|$35,900 Cap1 QS|$35,000 Lowes|$25,000 NFCU CashRewards|$25,000 NFCU Flagship|$25,000 RBFCU Premium MC|$25,000 Walmart MC|$20,500 PenFed Platinum|$10,000 PenFed Promise|$9,000 Blispay Visa|$15,000 NFCU PLOC|$10,000 RBFCU PLOC|$10,000 PenFed PLOC|PayPal Credit $8,800
Message 1 of 25
24 REPLIES 24
Regular Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

I know some lenders allow reallocation of credit limits to other cards of the same owner......do you think you could call BOA to see if they'll extend the policy to reallocate some of your limit to my card? Smiley LOL




Age 21
Current Score: EQ 802 (2 Inq) | TU 790 (6 Inq) | EX 807 (7 Inq)
Message 2 of 25
Frequent Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

That's awesome!!  Way to end the year.  Congrats!!

Message 3 of 25
Super Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

Congratulations!!



Last HP 09-14-2020



Message 4 of 25
Valued Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

Wow. Congrats.Wow. Congrats.

 



Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 5 of 25
Regular Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

Wow! Congrats!

Message 6 of 25
Valued Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

Nice ride @FeeBear.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 7 of 25
New Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

nice job!

Message 8 of 25
Frequent Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

BOA can kick some butt!  Great limit on a great card.  Happy Hoildays, indeed!

Am Ex | BOA | Chase | Citi | Disc | PenFed | USB | 400K Club
Message 9 of 25
Established Contributor

Re: BOA Santa Claus came two days late but for a $60,000 limit I can wait. :D

HOLY $$$$.. Congrats!  

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 10 of 25
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