BoA CCR CLI $23k ---> $25.8k

[BrutalBodyShots]

Not a huge one by any means, but noteworthy simply because I thought I was capped.

Earlier this year I had a $55k-$60k limit on this card and when applying for another (a second) BoA card I was denied with one of the issues being my overall exposure. Through a successful recon they were able to open the second card for me, but took the limit on the CCR down to $23k. It was cool today to see that after some time has passed that evidenly my ceiling hasn't quite been arrived at yet 

[ElvisCaprice]

---

@BrutalBodyShots wrote:

Not a huge one by any means, but noteworthy simply because I thought I was capped.

Earlier this year I had a $55k-$60k limit on this card and when applying for another (a second) BoA card I was denied with one of the issues being my overall exposure. Through a successful recon they were able to open the second card for me, but took the limit on the CCR down to $23k. It was cool today to see that after some time has passed that evidenly my ceiling hasn't quite been arrived at yet 

---

Congratulations!   I take it, you requested it.  From other threads it seems the BofA TCL ceiling is capped around 100k.  But since your so informed, I have to ask, why the CLI on a CCR at these levels, when the elevated rewards are capped at $2500 per quarter?  For sport?  Which is fine or is there some other reasoning?

[BrutalBodyShots]

Yes, I requested it. Soft limit total exposure seems to be capped at $99.9k for many people. I was kindly taught a lot about this by @Aim_High some 4-5 years back. For those with significantly higher income levels, along with significant investments with BoA/Merrill there are data points of total exposure being pushed into 6-figures. I don't land in that category though, so I'm guessing my ceiling is based on income along with some aspect of element of time.

Yeah, I push limits high just because. I like to see what individual issuers are willing to give me, and I like to try and determine what sort of max exposure they allow (be it a soft or hard rule) relative to stated income. I'm coming from a place of mostly trashed credit in 2015 where high limits weren't a possibility. As I cleaned up my profile and obtained higher limits it felt rewarding. For me, it's just cerebral satisfaction that I've further distanced myself from my tarnished credit past. 

[Copenix]

A little love is always wonderful - congrats on your CLI.

[firefox100]

Congratulations it is always nice to get some credit increases, enjoy it happy holidays.

[coldfusion]

---

@BrutalBodyShots wrote:

Yes, I requested it. Soft limit total exposure seems to be capped at $99.9k for many people. I was kindly taught a lot about this by @Aim_High some 4-5 years back. For those with significantly higher income levels, along with significant investments with BoA/Merrill there are data points of total exposure being pushed into 6-figures. I don't land in that category though, so I'm guessing my ceiling is based on income along with some aspect of element of time.

---

Basically, yes.  $99.9K TCL is the official and relatively hard limit but if you're seen as a high value client they will waive the cap on a case-by-case basis and there have been several members here (including me) who have broken through that cap.   The highest I've seen has been around the $170K TCL. 

Income in the low 6 figures and having Platinum Honors status for a few years with a few hundred K $ in BoA deposits and/or Merrill investments can get it done. 

[Priory_Man]

---

@BrutalBodyShots wrote:

Not a huge one by any means, but noteworthy simply because I thought I was capped.

Earlier this year I had a $55k-$60k limit on this card and when applying for another (a second) BoA card I was denied with one of the issues being my overall exposure. Through a successful recon they were able to open the second card for me, but took the limit on the CCR down to $23k. It was cool today to see that after some time has passed that evidenly my ceiling hasn't quite been arrived at yet 

---

Congrats on the increase.

I had the same happen to me a number of years ago when I applied for the now extinct Virgin Atlantic card that BoA offered, my exposure is now higher than it was at that time, so all is well in the world that is BoA 

[Mervin]

Congrats! Very interesting too. Did you just pay on time and keep your utilization low in the meantime?

[BrutalBodyShots]

@Mervin 

Paying my statement balances in full monthly, absolutely.

"Keeping utilization low" - absolutely not. The act of keeping utilization low doesn't help CLI odds and in fact can actually hinder them on the profile of someone that is always paying in full monthly.

@coldfusion when you say low 6 figures, are you talking something like $125k, or would you consider $300k-$400k being low 6 figures since it's on the lower half of reaching 7 figures?

[Jessie]

Maybe something in your financial profile changed? Or one hand isn't talking to the other. Either way, you win.