Bank of America Credit Limit Increase Question

ddemari · ‎06-25-2014

After my card unsecured without a credit limit increase. I called an analyst and she said I would get a letter in the mail.

I was surprised because the I thought the analysts usually can get you instant decesions.

Has anyone ever gotten a letter from boa for a credit limit increase that was not a flat out denial?

JoshNurse · ‎06-25-2014

letter = not approved.

Its the nicest way to say not approved. She was most likely in a bad mood.

ddemari · ‎06-25-2014

Should I call again or wait for the letter?

JoshNurse · ‎06-25-2014

You can try calling again but it would be scary to get 2 hard pulls. Tell them that you belive they already checked your credit but would really appreicate a CLI.

Just lie and tell them things like this: "I want to use this credit card as my main card for all of my expenses" etc.. Just make them happy and I am sure they can raise it up a few thousand.

Do you have a good credit score?

Creditaddict · ‎06-25-2014

1. Bank of America uses the same pull for 30 days.

2. I want them to say I'm not approved if that is the case, not I will get a letter... the whole point of calling directly into the analyst is to talk about the credit not get a stupid "letter in the mail response"

CALL BACK!

ddemari · ‎06-25-2014

I agree! My tu fico is 656. Maybe too low for them? 2 badiea from 08 and 10.

One7 · ‎06-25-2014

I agree as well, call back and ask another person, it'll be the same TU pull they already pulled. BTW this happened to me and when I logged onto my account an hour later they raised my CL automatically. I requested 10k I think and they countered with 5k. I was super happy with that, I requested mine days after my secured card unsecured, so check you CL online, maybe you'll get lucky.

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ddemari · ‎06-26-2014

I emailed the office of the president and got a call this am but missed it. So i am waiting back on her return call.

Creditaddict · ‎06-26-2014

@ddemari wrote:
I emailed the office of the president and got a call this am but missed it. So i am waiting back on her return call.

I would have tried an underwriter once more on your own.... you get through to them instantly.

ddemari · ‎06-26-2014

Just logged into boa account, boom! increased from 700 to 3k!!