Last month, I applied for and received the Bank of America Unlimited cash rewards and was approved for a $22,500 credit line. Lately, I realized that this was not the card for me and I called to do a product change to the Customized Cash Rewards. The CSR told me after doing some research that this was not possible at this time, and if I really wanted the Customized Cash Rewards card, to close my Unlimited Cash Rewards and apply for the Customized Cash Rewards. I thanked her for her time, but was not going to close a $22,500 cl card. This morning, I figured what the heck and applied for the Customized Cash Rewards card and was approved for another $22,500. Honestly, I was expecting a denial, but, braced myself that if I were approved it would be a very small CL. Needless to say, I was shocked with the $22,500 CL. This gives me a totall CL with Bank of America at $45,000. I am excited about the possibility of reallocating credit lines.
Next question is how long before I can reallocate credit lines between the two cards?
Just checked my reports, and not seeing any hard inquiries......
Awesome SL though. CONGRATS!!
@MarkintheHV wrote:Last month, I applied for and received the Bank of America Unlimited cash rewards and was approved for a $22,500 credit line. Lately, I realized that this was not the card for me and I called to do a product change to the Customized Cash Rewards. The CSR told me after doing some research that this was not possible at this time, and if I really wanted the Customized Cash Rewards card, to close my Unlimited Cash Rewards and apply for the Customized Cash Rewards. I thanked her for her time, but was not going to close a $22,500 cl card. This morning, I figured what the heck and applied for the Customized Cash Rewards card and was approved for another $22,500. Honestly, I was expecting a denial, but, braced myself that if I were approved it would be a very small CL. Needless to say, I was shocked with the $22,500 CL. This gives me a totall CL with Bank of America at $45,000. I am excited about the possibility of reallocating credit lines.
Next question is how long before I can reallocate credit lines between the two cards?
If/when either account is "eligible" for a CLI, which could be now, or some time later. Profile & BoA algorithm determines that. My (2) accounts opened same day showed the "luv" button within a couple of days, and I did in fact call CS to reallocate from one to the other. My SL's (both same to start) were substantially less than yours, however 😊
Congrats on these approvals! They will grow even more if you treat them well.
@Hoben02 wrote:I've had to reallocate credit lines with bofa after a new card was approved mainly becuz I wanted to keep my credit utilization low. I never saw any affects to my fico score. Maybe the only thing to watch out is if it's a visa signature card there has to be a certain credit line
Both cards are Visa Signatures with 22.5k cl. It would be nice to end up with one 45k cl 
