I called yesterday and had my 99/500 unsecured and they gave me an instant $500 CLI without asking. I also got a product change.
I'm sorry this happened to you. I would try calling back and asking someone else. Apparently their CSR's are all on different agendas because the first time I called I asked about getting a product change and the CSR I had said that I cannot do a product change and even if I did I would still have the AF. Then I called back and got a different CSR and she said a PC was no problem at all and there would be no AF associated it. Call back!
Did they give a reason for your denial? Did you try speaking to a Senior Credit Analyst via the backdoor number?
I got a secured card in June 2007 with a $1500 limit and in June 2008, it was unsecured with a $2000. I have systemmatically made on-time PIF since and was just declined for a CLI. My EX is 689. The ratings rep did subtlely hint that it would be helpful if I had another major card with a similar credit line.
Welcome to the forums!
BOA will normally try and be in the same ballpark as your highest CL. It makes them more comfortable giving out higher CLs when they see you have experience with them already.
Of course, that's somewhat of a Catch 22.