I love Bank Of America

[Grabiela]

I am so happy with my Bank of america Credit card. I have this card since 3 years ago and i start with a credit limit of 500.00 Dollars. Now i have $71600.00 i dont used it that much the only bad this is that every 6 month i have to do a HP in Transunion.

[Abelcrdn]

What's your file look like?

[Grabiela]

My score in Transunion is 765 i have 7 inq. and only 3 years of credit

i do have barclay credit card arrival with 28000.00 credit limit i open this card 1 year ago

and i have capital one aventure with 16500.00 credit limit i open this card 10 month ago.

[creditguy]

Yeah I'd say the HP every six months was more than worth it.

[ScoreOrBeScored]

Congrats on this nice CLI .... if you don't mind sharing ,

what was your stated income ? Individual or house hold ? 

I ask because im at $47,500 and trying to hit the $50k mark on my travel Rewards . 

[Grabiela]

My income in 690,000.00 yearly when my limit was 50k they did ask me for income verif. And they send me a form. and then they jump my limit to 60k and a HP in transunion.and today i call to a credit limit increase and they just ask me how much i need and i just told her 70k and she said i will give you 71,600.

[Credit_hawk]

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@Grabiela wrote:

My income in 690,000.00 yearly when my limit was 50k they did ask me for income verif. And they send me a form. and then they jump my limit to 60k and a HP in transunion.and today i call to a credit limit increase and they just ask me how much i need and i just told her 70k and she said i will give you 71,600.

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Congrats! With that kind of income your limit should be much higher. There are people on here with $50k a year salaries with $30k+ limits. You should aim for a clean $100k. This is why I also love BOA. If you use their cards loyally they tend to take care of you. Going from $500 to $71,000 in 3 years is so American lol.

If you don't mind, what is your APR and how did your increases over the past 3 years stack up? Meaning, was it $500-$5,000 then $5,000 to $20000. Or was it a bigger jump from like $10,000 to $50,000 then $71,000?

[awp317]

**bleep**, impressive. I was happy to get a 10k increase today. I have slightly less yearly income than you (625k per year). And a month ago when I asked B of A for an increase they denied it saying I wasnt using it enough, and excessive obligations (which really surprised me, Including a mortgage and 2 car leases im at about 29% DTI) . Im hoping to break the 100k single card barrier soon on something. Thinking it might be B of A as I rise by inches. Just gotta keep using it more. 

[Grabiela]

My apr is 14.24  and 500.00 to 25000.00 to 35000.00 to 45000.00 to 60000.00 to 71600.00 

[Anonymous]

Wait.. 690,000.00 usd income? I was impressed with your credit limit but that's nothing compared to your income lol!