Bankamerica Card 5K starting limit. :/

[Outdoorstech1]

Had two offers sent to me in the mail for the Bank Of America bankamericacard 0% for 18mo with free balance transfers. so I went ahead and applied.  I got approved with a starting limit of $5,000.  I'm a little bummed about the limit but wanted to know if I would have any luck asking for a CLI when I get the card?

I was apprioved thru Chase Sapphire reserve earlier this year with a starting limit of $26k!  My FICO is currently at 700. 

[SwiftTone]

I'm looking to apply for this card. Do you mind me asking what is your income, inquries, and utilization is?

I'm at about 35%, EQ FICO 753, and 0-3 inquries in last 12 months across 3 bureaus.

[AverageJoesCredit]

Are you bummed because your Chase gave you 26k and Boa only 5k? Do you have other 20k cards? Boa can grow huge if your profile supports it.

[CreditCuriosity]

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@AverageJoesCredit wrote:
Are you bummed because your Chase gave you 26k and Boa only 5k? Do you have other 20k cards? Boa can grow huge if your profile supports it.

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+1 to his response..  Chase tends to give it all up front where BofA will give it after a few CLI's..  As said in other posts I was approved by BofA on a recon a year and a half ago at a 1k limit.  I am now at 50k with BofA and sure I still have meat on the bone left with them.  If your income and DTI ratio and what not supports it that will grow like wild fire within the next 6 months to year with a HP or two on TU.  Once BofA gets to know a person they open the pocket book right up.  Chase will hand out huge limits on a first card just two different ways of doing business from each lender.  Each has pros/cons.

[xXIDaShizIXx]

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@Outdoorstech1 wrote:

Had two offers sent to me in the mail for the Bank Of America bankamericacard 0% for 18mo with free balance transfers. so I went ahead and applied.  I got approved with a starting limit of $5,000.  I'm a little bummed about the limit but wanted to know if I would have any luck asking for a CLI when I get the card?

I was apprioved thru Chase Sapphire reserve earlier this year with a starting limit of $26k!  My FICO is currently at 700. 

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Look at my signature at my BoA Cash Rewards. That started as a $500 secured card.

[Anonymous]

BoFA is very generous. Give it time. You will get the bumps you want!

[JSS3]

I'm guessing you'd like to do a BT but the starting limit is too low?

I'd recon and tell them as much.

[Anonymous]

C O N G R A T U L A T I O N S on your new card. Charge wisely this holiday weekend

[K-in-Boston]

You can always call and speak with a credit analyst if the card's credit limit doesn't match up to the rest of your profile.  Otherwise, you should see the Request a credit line increase link on your account in 2-3 months.  It's a HP, but as long as you shoot for the moon they can be well worth it and they do counter-offer. Just be wary of the 0% BT fee expiring on that card.

[Jerry45]

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@CreditCuriousity wrote:

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@AverageJoesCredit wrote:
Are you bummed because your Chase gave you 26k and Boa only 5k? Do you have other 20k cards? Boa can grow huge if your profile supports it.

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+1 to his response..  Chase tends to give it all up front where BofA will give it after a few CLI's..  As said in other posts I was approved by BofA on a recon a year and a half ago at a 1k limit.  I am now at 50k with BofA and sure I still have meat on the bone left with them.  If your income and DTI ratio and what not supports it that will grow like wild fire within the next 6 months to year with a HP or two on TU.  Once BofA gets to know a person they open the pocket book right up.  Chase will hand out huge limits on a first card just two different ways of doing business from each lender.  Each has pros/cons.

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Thanks for the Info CC. Have a offer with them also