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Bank of America finally gives me some love!

DeVere
Established Member

Bank of America finally gives me some love!

I have had my BoA Platinum Plus Mastercard card for over two years.  It opened at only $500 since I had burned them 15ish years ago.  After one year they gave me an automatic increase to $1000.  At the time my score were hovering around the lower to mid 600s with high utilization but no baddies.  Since that time my scores have been increasing and utilization decreasing.  Even two months ago with low 700s and much better overall utilization I was still declined likely due to 4 cards that were still very high utilization.

 

Tonight I said what the heck.  My score are mid to high 700s and utilization at 4%.  If I don't get something now then I likley never will.  I gave it a shot, asked for $5000 hoping for $2-3000.  They approved the $5000.  I was shocked.  I went back in to look at the account.  This time there was a link to request additional credit.  I have never had this so I, again, said what the heck.  This time I asked for $10,000 and they gave me $7,400.  Let's just say I was happy that I was sitting down.

 

I am so grateful for everything I have learned here.

Lowest Known Scores: EQ:548 TU:575 EX:574 March 2018
Starting Scores: EQ:688 TU:710 EX:706 September 2018
Current Scores (12/18/18): EQ:782 TU:798 EX:785 December 2018
Goal Score: 750 across the board by Jan 1, 2019


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Message 1 of 12
11 REPLIES 11
ZoomZoom557
Senior Contributor

Re: Bank of America finally gives me some love!

Super Kudo's on getting out of the slump and getting an AWESOME CLI!


FICO 8 Scores (10/5/20) | Equifax: Unk. | TransUnion: 735 | Experian: 763 | Goal: CSR. I'll get you my pretty!
Gardening Since: 9/4/20 | Want cool stuff in your siggy? Visit http://mfgarden.club for more details.
Message 2 of 12
VoltronM
Senior Contributor

Re: Bank of America finally gives me some love!

Congrats on your CLI !!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 12
Medic981
Valued Contributor

Re: Bank of America finally gives me some love!

Congrats ! ! !

















Your FICO credit scores are not just numbers, it’s a skill.

Message 4 of 12
xaximus
Valued Contributor

Re: Bank of America finally gives me some love!

Congrats on the CLI! I've learned to always shoot high with BoA. Last two times, I put in 100k in the request and see what they say (they counter, lol).


Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 12
RonM21
Valued Contributor

Re: Bank of America finally gives me some love!

Congrats on the two increases! Long time coming for you.
                

TCL: $306,100Utiliz: 6%AAoA: 5yrs 2mOther: Lease, Loan, *No MortgageCollections-Lates-BK's: 0

LWS-35k | BOA-50k | AMX-32.4k | DISC-33.6k | ALNT-25k | NFCU-33k | BARC-15k | BBUY-12k | CSE-10k | CP1-10k | CITI-11.7k | PF-38.4k


Message 6 of 12
clark_d_shark
Established Contributor

Re: Bank of America finally gives me some love!

Congratulations!

Fico Scores as of March 2020 TU (739) EX (748) EQ (776)



Message 7 of 12
James_A
Valued Contributor

Re: Bank of America finally gives me some love!

Great job, DV. Congratulations! on an excellent CLI.

And for us BoA illiterates: soft pull TU? when are you eligible for the next CLI?

 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 12
19eighty5
Senior Contributor

Re: Bank of America finally gives me some love!

Congratulations on your CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 9 of 12
ChessChik47
Frequent Contributor

Re: Bank of America finally gives me some love!


@James_A wrote:

Great job, DV. Congratulations! on an excellent CLI.

And for us BoA illiterates: soft pull TU? when are you eligible for the next CLI?

 

For me, it's been every 90 days (to the day) for CLIs...I think it's a safe timeframe to follow.

Message 10 of 12
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