BofA Premium Rewards SP CLI: $37,200 -> $57,200

DJRobbieD · ‎04-06-2023

I was previously unsuccessful with SP CLI requests for this account, as recently as two months ago. Initially the denial reason was Too Many New Accounts due to my app spree in January 2022. Once I was 1 year past those new accounts, I tried again in early February, but this time I was denied for Insufficient Usage and Too Much Open Credit. I proceeded to put some heavy spend on card in February and March, then tried again earlier this week after the card also reached its 1-year anniversary...

Success! I (finally) obtained my first SP CLI on this account, an increase of $20k which raised it's CL to $57.2k, making it my highest CL across my accounts. I can't say for certain whether it was the heavier spend or reaching the 1-year anniversary or both that tipped the scales in my favor, but in any case I'm extremely pleased (and thankful) with the massive increase given by BofA.

DPs

FICO 8 scores: low 800's

AoOA: 19.7 years

AAoA: 7.7 years

New Accounts: 0/6, 1/12, 9/24

INQ (last 12m): 5 EX, 0 EQ, 1 TU

UT: 1-2%

TCL: $401.4k

M_Smart007 · ‎04-06-2023

Congrats on your CLI 🎉

CreditMagic7 · ‎04-06-2023

coreyb80 · ‎04-06-2023

Congrats on the nice increase!

800Hopeful · ‎04-06-2023

Congrats! How much "heavy spend" did you put on the card and what's your income range? Just curious what it takes to have similar results.

BigBS · ‎04-06-2023

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

JoeRockhead · ‎04-06-2023

Very nice, congratulations on your BoA CLI!

NoMoreDebt · ‎04-06-2023

congrats on the cli

AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX CHARLES SCHWAB INVESTOR CARD $25,000 CL/ AMEX MORGAN STANLEY BLUE CASH $5K CL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $5000 CL/AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ PAYPAL CREDIT LINE $1700/NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

nytokyobred79 · ‎04-06-2023

Congrats on that massive cli increase. Awesome.

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- $211, 000 | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
(pc'd from SkyMiles Platinum back to Blue)
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20K | CL- $40.5K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $39.8K
BOA Unlimited Cash SL: $20.8K| CL $10.8K(moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K