Boa Recon, CLI of $1k

[chalupaman]

One big thing I've learned from this experience is to never take what a customer service rep has to say without a grain of salt, especially if they tell you something like you'll be able to keep your rewards even after closing an account or something like that.

I was feeling kinda annoyed that I lost my $100 cashback that I got from the BoA card I had before, so I went ahead and talked to a credit analyst on the phone who said she'd be able to make a decision on my CL differently than what the computer kept saying, and to my surprise, she was able to get my CL on the Alaska Airlines card up to $3k and she said if I wanted it to be higher, I could certainly call back again once there's more history on the account. I tried getting it up to $10k or to match one of my higher TLs but that's what she was able to do for me. Very surprised I got anything at all but overall, I'm feeling much better now. 

[CreditMagic7]

The more history (mere months) that your BofA card shows, the more you can expect much higher limits on them when you approach them for CLI again. Adding useful new accounts with them also become a drop in the bucket. BofA COMPETES!!

[Anonymous]

Awesome... congrats!

[uswala]

Congrats!

[chalupaman]

Thanks! I wish I had known earlier that even though the automated system can decline you for the most inane reasons like "not enough investment balances," having somone do a manual review can yield better results sometimes. Next time I want another CLI with BoA, I'm just gonna call them directly perhaps in 6 months or maybe even 3-4 months once more history has been established. 

[baller4life]

Yeah always call BOA analysts. They can actually override computer. Not like those Synchrony robot analysts. LOL

[chalupaman]

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@baller4life wrote:
Yeah always call BOA analysts. They can actually override computer. Not like those Synchrony robot analysts. LOL

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Yup. I would have loved to see if I would have gotten similar results on my closed $900 limit Cash Rewards card. With having the AARP and BCE, I just didn't feel like I needed that card specifically now and I really wanted the 25k points on the Alaska Air, so that's what made me go for it. Unfortunately they only give out that amount on the Visa Siggy versions (another thing I learned in hindsight) but sometimes with credit, you have to lose something to gain something else. They also only let me have one card with them so that's why I had to close it as well. 

So I'd say BoA is definitely less conservative in my case than Citi when it comes to this stuff, but Chase and Amex have still been the most generous with me so I guess BoA would be more in the middle.

[B335is]

Congrats! I've grown to like BoA Analysts better than all others.

[chalupaman]

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@B335is wrote:
Congrats! I've grown to like BoA Analysts better than all others.

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Thanks! I think when I have much more history with BoA, I'm gonna try going for the Fidelity Amex. I'm really hoping they let me have more than one card by then. Is it particularly harder to get than other BoA or FIA cards?

[Anomalous]

Congratulations!