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I filed BK7 8 years ago this month and included BofA for $5K.
Two years post-filing I applied for the secured card and was approved for $1K. About six months later they graduated the secured card. I asked at that time for a CLI and they gave me $5K, the amount I burned them for.
Two years later I applied for the Alaska Airlines BofA card because I wanted the 40K bonus miles and I fly Alaska. After much haggling they refused to give me any more money but I offered to close the useless 5K card I had if they would open the Alaska Air card for 5K and give me the 40K bonus miles. They agreed, opened the Alaska Air card and closed down the old card.
Over the last 4 years I have periodically asked for a CLI and was always turned down, even on recon, and told it was due to the prior loss. They had clearly bucketed me at the $5K I had burned them for.
I do not have any other accounts with BofA.
Today, expecting another denial, but knowing it's a soft pull, I asked for $15K (an increase of $10K) and the thing spun around for an eternity and then said:
"Congratulations! Your credit line has been approved.
Your new total credit line is $10,000.00 with a cash credit line of $1,500.00 and is available for immediate use."
So they didn't give me what I asked for but they did double my limit. I thought this would never happen.
Nobody is more shocked than me. My current FICO 9's are between 800 and 841. FICO 8's are 772-778. My BK is still reporting on all three bureaus.
Really happy for you! That's great to finally see some progress!! Congratulations on your approval!! 👏🏼🎉🍾
Congratulations on your BofA 2X CLI!
Congratulations on your CLI!!
Congrats on your BOA Alaska Airlines CLI
Congrats !
Congrats on you CLI!!
Thanks!
Congrats
Congrats on your BOFA CLI 👍🏼