BOA becomes Unsecure and CLI--> 3k to 10k in two days

[Anonymous]

The scoring algorithm doesnt care about CLs.

Having higher CLs tend to get you higher CLs in the future when you app for a new CC, and with CLIs with manual review.

You could try the SCT and get a store card with a SP, but I would caution you to get cards from places you would shop at anyway.  Again, this would affect your AAoA.  Also, store cards are not viewed as highly as bank cards during manual review.

Personally, I like B of A and I would urge you to consider if you can save the card and get it unsecured, with responsible usage.  If not, then dump it, your call.

GL

[Anonymous]

What is a SCT and SP? 

[elim]

that's how it's done!   congrats!

[elim]

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@Anonymous wrote:

What is a SCT and SP? 

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  shopping cart trick    soft pull

  you can find help here

[Anonymous]

I hope you guys are right. i deposited $2000 into the BOA rewards secured card. i want nothing more or nothing less thank $5K as my CL when it unsecures. i have 7 statements so far on this card and i have never been late. I make multiple monthly payments. i hope i can get it to unsecure since i had a charge off with BOA back in 2013. i was shocked in Jan when i was approved for the secured card. i have been banking with them forever so that prolly helped. in Jan my TU fico was 595. My TU fico now is 695 with 3 inquires 3.2 aaoa and 2 baddies. my balance has never gone over $112 and i make payments 4 times a month.

[Bpearl2010]

Aug 4th Update:

My payment of 7.4k just posted, so I decided to call (BofA:  866-618-4585 (Sr Credit Analyst) again to see if they would increase to 25k. Spoke with a very nice lady, which said sorry no lol...... She said the reason was because of to many recent credit lines opened (I laughed inside) lol. However, she did say that the 25k limit is possible for your credit file, but the system will not allow me to grant you the limit due to recent accounts opened. She used the same TU. No new TU pull.

I figured it was a little to fast (5 days) to call again and ask for a CLI, so I am going to wait until August 22nd until I call one last time to see if they will grant me a higher Credit line. Trying to make use of the 30-day same credit pull window, worst case they will just say no again. I'll be putting another 8k through the card before the 22nd, which I'm hoping it will help since I've already pul 10k through the card in 8-days.

I'll keep you guys post

[Anonymous]

Excellent try though!

You already made huge strides in a short time.

GL