So I opened this Bank of America cash rewards card back in February 2013, just a few months into my rebuild. It was my first Visa Signature, and it took calling back for a reconsideration to get approved (read all about it here). It's been a fine card over the years, but the limit started fairly low ($5,000) and hasn't moved up the way my other cards have. As I do with most of my cards, once or twice a year I request a CLI. I've had luck with other cards from Amex, Discover, Citi, etc., but BOA stayed stuck at $5,000; they wouldn't consider a CLI without a hard pull. A few years ago, I got fed up and agreed to take a hard pull; it was a quiet time for me credit-wise, and ended up being my only hard pull of the year. That got me up to $8,000. Since then, I've continued to have no luck with BOA, even as my rebuild reached completion, with my FICOs reaching the 800s and a new mortgage to my name in May. I've run a few thousand through the card here and there, but for the past month or two, it's been sock drawered with a $0 balance, as it usually is.
Then, out of the blue, I get an e-mail from BOA: "Want more buying power? Request it now." I've been pre-selected to request a CLI with no credit check. I enter in my annual income, and I'm instantly approved for a CLI from $8,000 to $12,000. It took SIX YEARS, but they finally showed me some love!
. Be careful, the floodgate has opened
