cancel
Showing results for 
Search instead for 
Did you mean: 

I love Bank Of America

Grabiela
New Contributor

I love Bank Of America

image1.PNG

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.

Message 1 of 41
40 REPLIES 40
Abelcrdn
Regular Contributor

Re: I love Bank Of America

What's your file look like?
12/23 Fico Score 8 TU-761 EX -747 EQ-734
Message 2 of 41
Grabiela
New Contributor

Re: I love Bank Of America

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.

 

Message 3 of 41
creditguy
Valued Contributor

Re: I love Bank Of America

Yeah I'd say the HP every six months was more than worth it.
Message 4 of 41
ScoreOrBeScored
Valued Contributor

Re: I love Bank Of America

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 . 

Message 5 of 41
Grabiela
New Contributor

Re: I love Bank Of America

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.

Message 6 of 41
Credit_hawk
Established Contributor

Re: I love Bank Of America


@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.


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?

FICO- Experian: 797, TransUnion: 781, Equifax: 804 (Updated Monthly)
Message 7 of 41
awp317
Frequent Contributor

Re: I love Bank Of America

**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. 

Amex Platinum NPSL I Chase Sapphire Reserve 78K I Chase Freedom U 55k I JP Morgan Ritz 50k I B OF A Cash Rewards 50k I Barclay Black Luxury 43,750 I Capital One QuickSilver 40K I Amex BCP 34k I Amex Optima Platinum 30k I Barclays Arrival+ World E 29k I Merril+ 27,800 I Lowes 25k I Pen Fed PR Visa Sig 20K I Home Depot 17k I NFCU Cash Rewards 8k

Amex Biz Platinum NPSL I Lowes Business 42k I Amex Simply Cash + $22,500 I Chase Ink 21K I B of A World Points $20,500 I B of A Bus MasterCard 16k I Amex SPG 3K.
Message 8 of 41
Grabiela
New Contributor

Re: I love Bank Of America

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

Message 9 of 41
12velectronics
Valued Contributor

Re: I love Bank Of America

Wait.. 690,000.00 usd income? I was impressed with your credit limit but that's nothing compared to your income lol!
Message 10 of 41
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.