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BoA -15k Bump to 50K!

RonM21
Valued Contributor

BoA -15k Bump to 50K!

Hello All!  Hope everyone is well & safe!  It's been a while since I posted, due to reasons on the home front, but I thought I'd post this one for the data and because it was a personal accomplishment.

 

I decided earlier this month I was going to go for my first 50k limit and try it with BoA.  My Cash Rewards Visa currently sat at 35k.  So knowing I was going to do this, compared to my norm, I ran more transacations on this card in December and let about 2k post when the statement cut a few days ago on the 22nd.  Usually, I PIF and I never run that much through one card vs spreading the wealth. The $25 min due for 1/19/21 showed up and I immediately paid $100 towards it on purpose the other day.

 

Then, I debated if I should hit the button or wait and let the next cycle hit and show them I could pay it all, then go for it. I went for it this afternoon and requested a CLI to 50K.  Literally about 5 seconds after with not much fanfare...approved!  I was certainly expecting a counter from them, if not the dreaded 7-10 days message or whatever.  It almost made me wonder if I left anything on the table, but I was certainly happy with the outcome, and didn't even want to bother with backing out and trying other amounts to poke the bear. I'm still shaking my head in amazement about the things I've learned in these forums here in the last several years, and what I've done with that info.  Most of this stuff I would've never been able to accomplish or likely wouldn't have even known about or how to navigate if it wasn't for the people here.  I'm always thankful for that Smiley Wink

 

 

*My last request - 1.27.20 approved +2.5K bump Smiley Happy

*Not huge spend on the card. Usually a few hundred here or there, with the exception of this month, as noted above.

*Growth on the card 1/16(1k) --> 4/16(3k) --> 7/17(7k) --> 6.10.18(13k) --> 12.2.18(22k) --> 3/19(32.5k) --> 1/20(35k) --> Today

*More info in my updated Siggy info below

 

BoA CLI.JPG

 

                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 1 of 37
36 REPLIES 36
AllZero
Mega Contributor

Re: BoA -15k Bump to 50K!

Congratulations on your CLI!
Message 2 of 37
barca
Regular Contributor

Re: BoA -15k Bump to 50K!

Congrats

BOA is very generous with this cash rewards card.

 

I am tempted to say on average  this card gives the highest credit line of all the credit cards - more than any card from chase , Amex, citi

Message 3 of 37
JNA1
Valued Contributor

Re: BoA -15k Bump to 50K!

Congrats and thanks for the DP's! 

My credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $266,950
Cash Back and SUBs earned as of 6/1/21- $6336.35

CU Memberships

Goal Cards:


Message 4 of 37
gdale6
Moderator

Re: BoA -15k Bump to 50K!

Wow, from a 1k starter to 50K, excellent and a big grats to you Smiley Happy

Message 5 of 37
Marz2002
Senior Contributor

Re: BoA -15k Bump to 50K!

, YOU  Really...

nailed it GIFHUGE  CONGRATS on building your BofA Cash Rewards Visa to  $50,000 CL  and Thanks for the DPs and the Strategy!!

GO Steelers!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi Rewards WMC $14K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $7K | NFCU More Rewards AMEX $33.5K | NFCU Flagship Rewards VS $19K
Discover IT $21K | BB&T Cash Rewards $4.5K | Macy's AMEX $18K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

Total CL - $226K+
Message 6 of 37
Credit4Growth
Valued Contributor

Re: BoA -15k Bump to 50K!

Congrats on achieving your goal... CLI happiness!!!

 

20200919_123004.gif

|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||


Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 7 of 37
mrcraft
Valued Contributor

Re: BoA -15k Bump to 50K!

Congratulations on your CLI!!






Message 8 of 37
RonM21
Valued Contributor

Re: BoA -15k Bump to 50K!

 


@barca wrote:

Congrats

BOA is very generous with this cash rewards card.

 

I am tempted to say on average  this card gives the highest credit line of all the credit cards - more than any card from chase , Amex, citi


It's interesting because there was a time early on where it seemed like I struggled to get movement with them compared to some of my other cards. I never would've thought they would become my highest limit card. 

                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 9 of 37
RonM21
Valued Contributor

Re: BoA -15k Bump to 50K!


@gdale6 wrote:

Wow, from a 1k starter to 50K, excellent and a big grats to you Smiley Happy


Thank you! I know. It's still hard to believe how far this card has come. But then again, the whole journey has been unbelievable really. I'm sure many can relate. 

                

Total CL: $314.7kUTL: 2%AAoA: 6.8yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | DISC-40.6k | PENFED-38.4k | AMEX-37k | LOWES-35k | ALLIANT-25k | BARCLAYS-15k | CITI-13.7k | CHASE-10k

Message 10 of 37
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