BoA does seem to be very good with the CLIs in 'my' (well, my husband's) experience. When we got married a year ago I was determined to turn around his not-so-great credit and had to start building mine from scratch (I'd only just moved here from the UK) - first thing I did was use some of my savings to pay off the $5000+ balance on his $6000 limit BoA card, because the interest rate was so bad. (Not to mention the high util, of course). INSTANT, unasked-for CLI to $11,000. We've barely touched the card since then, but a couple of months ago discovered they'd put the limit up to $16,000, again without even being asked - and even better, they'd reduced the interest rate so that instead of being the worst of his three cards, it's now the best. All without us asking for a thing.
I've heard many, many bad things about BoA, but am liking them for the fact that they've done all this stuff without us having to beg and grovel for it! Not to mention that the CLI couldn't have happened at a better time - just when we were trying to do a final boost on his credit scores to apply for a mortgage, they went and helped boost them that (tiny) bit further!
Message Edited by fevmlo on 05-11-2008 04:00 PM
I've heard many, many bad things about BoA, but am liking them for the fact that they've done all this stuff without us having to beg and grovel for it! Not to mention that the CLI couldn't have happened at a better time - just when we were trying to do a final boost on his credit scores to apply for a mortgage, they went and helped boost them that (tiny) bit further!
Message Edited by fevmlo on 05-11-2008 04:00 PM
Hi fevmlo,
First of all, Welcome to the States!
Secondly, as a longtime customer of BofA (10+ years)
I must agree that their customer service and willingness
to go the extra mile without asking is very refreshing these
days.
Thirdly, your testimonial is the exact opposite of some of the
negative press BofA has endured recently. Just as they took initiative
to raise your hubby's credit card limits, they also have not hesitated
to lower or eliminate home equity lines of credit when the situation
dictated. 
What BofA giveth, they also taketh away.
What BofA giveth, they also taketh away.And lastly, it must have felt nice to pay down your husband's
balance after converting your super-strong GBP's to US Dollars! 
It's nice to see someone getting extra mileage from the greenback these days...
Thanks again for sharing your story. Enjoy the weekend!
CanDo
"The right attitude is everything"
99/300 means that in exchange for a $99 deposit
Bank of America sends you a credit card with a
$300 limit. That limit has now been raised to $500,
so the card is now called 99/500.
And yes, several people in this forum have started with
the 99/300 or 99/500 cards and grew them into unsecured
cards with $10,000 limits. Pretty cool, huh? 
Edit to add: traditionally, BofA has been very BK-unfriendly.
However, given the changing financial climate these days
they are becoming more flexible...especially if you are or have
been a good customer. And a good entry point to re-establishing
credit with them has been the 99/300(or 500) partially secured card,
as well as their fully secured (dollar for dollar) cards.
Hope this helps.
CanDo
"The right attitude is everything"
Message Edited by CanDoAttitude on 05-11-2008 04:52 PM
No problem. Glad to help.
I should also point out that the 99/500 partially
secured card is a "counteroffer card" only.
This means you have to apply for one of their
unsecured cards and be turned down. As part
of your denial letter (snail mail or email) they may
offer the 99/500 card. If I am not mistaken, you can
apply for their fully secured cards at any time. Limits
range from $300 to $10,000 and the average time in
secured status is 9-12 months. In addition, many forum
members have reported that BofA will raise the credit
limit once it graduates to unsecured status.
So as you can see, it's a great card. Folks here really LUV it!
Edit to add: I know that Citibank offers a secured card but I'm not sure if
Chase does. American Express does not, but they do offer their Optima
program. There are lots of threads here in the room on that topic, so just
do a quick search for more details.
Your local bank or credit union may offer them as well. It's worth a call!
CanDo
"The right attitude is everything"
Message Edited by CanDoAttitude on 05-11-2008 05:11 PM