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Surprise BOA CLI!

Charger_Fan19
Contributor

Surprise BOA CLI!

I logged in to my BOA account this afternoon to confirm that the annual fee was credited back (as agreed) and was blown away that my credit line went from $1500 to $6500! The last time I logged in it asked me to confirm some information and I didn't give it a second thought and today this. It was a nice surprise and is now my largest limit. Oh what a journey rebuilding has been.... 


Starting Score: EQ 500 TU 500 EX 500
Current Score: EQ 647 TU 685 EX 684 9/2/16 Recommitted to Fico Health! Smiley Happy
Goal Score: 700
Message 1 of 12
11 REPLIES 11
Musiclover
Super Contributor

Re: Surprise BOA CLI!

Wonderful news! Congratulations!


Daily Drivers: Penfed Platinum Rewards; NFCU GoRewards; Discover..
Message 2 of 12
CreditMagic7
Super Contributor

Re: Surprise BOA CLI!

Good News! for you.

 

Congrats! on the surprise new increase Smiley Happy

Message 3 of 12
12velectronics
Valued Contributor

Re: Surprise BOA CLI!

That's pretty cool. I wish BOFA would give me a CLI. I'm almost to the point of closing it out..
Message 4 of 12
EW800
Valued Contributor

Re: Surprise BOA CLI!

Excellent increase.  Congratulations!   Smiley Happy

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
January 2022: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 824
In My Wallet: Discover $73.7K; Cap1 Venture $48.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $22.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $21K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $296K
My UTIL: Less than 1% - Only allow about $10 a month to report, on one account. .
Message 5 of 12
humuhumunukunukuapuaa
Senior Contributor

Re: Surprise BOA CLI!

Congratulations on your CLI! Smiley Happy



Favorite Cards : ~ Citi Double Cash World Elite MasterCard ~
~ American Express Blue Cash Preferred ~ Chase Hyatt Visa Signature ~
~ Citi AAdvantage World Elite MasterCard ~ Citi Prestige ~ Alaska Airlines Visa Signature ~ Discover it Miles ~
Message 6 of 12
GDanzy
Valued Contributor

Re: Surprise BOA CLI!


@12velectronics wrote:
That's pretty cool. I wish BOFA would give me a CLI. I'm almost to the point of closing it out..

I wish they would show me some love too. 

Message 7 of 12
Charger_Fan19
Contributor

Re: Surprise BOA CLI!

It was very unexpected. I've had the account for almost 10 years and it started as a $300 secured card, added another $200 shortly there after. About a year later I had my deposit refunded and it sat for probably 5 years at $500 unsecured. When I  got a new job they bumped it to $1500 and its been at that limit for a couple of years now. I'm compulsively checking my dashboard to see if they changed their minds! Smiley Very Happy I've got a balance transfer offer so I'm thinking of transferring some small balances off of store cards to save some cash there. 


Starting Score: EQ 500 TU 500 EX 500
Current Score: EQ 647 TU 685 EX 684 9/2/16 Recommitted to Fico Health! Smiley Happy
Goal Score: 700
Message 8 of 12
CrankyDave
Regular Contributor

Re: Surprise BOA CLI!


@Charger_Fan19 wrote:

I logged in to my BOA account this afternoon to confirm that the annual fee was credited back (as agreed) and was blown away that my credit line went from $1500 to $6500! The last time I logged in it asked me to confirm some information and I didn't give it a second thought and today this. It was a nice surprise and is now my largest limit. Oh what a journey rebuilding has been.... 


 

Sheesh, my CLI with them has been sitting at $2500 for (I think) *two years*, and that last increase was asked for by me, not an automatic one. My two other cards have higher limits and better benefits, so I've just let it sit there since I haven't wanted to trigger another hard pull for a chump change increase. My credit score is way better than it was two years ago, and I have a perfect payment history across the board, so I think that this card is just a dead end. I asked a CSR if I could do a product change to something less useless, but they said they don't offer it for that particular card (a "Platinum Plus").

 

Message 9 of 12
CMSA
Established Contributor

Re: Surprise BOA CLI!

Congrats!

Message 10 of 12
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