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BOA cards question...

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CreditScoreImprovement24
Valued Member

BOA cards question...

A while back I was approved for my 1st BOA card.  I was already at 3 cards in 12 months etc etc and BOA only approved for a smaller limit.

 

If I do well/responsibly/PIF on-time with this card, will BOA give me a much larger limit when I apply for a 2nd BOA card after 12 months of gardening?  

 

Any experience with this?  

 

 

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3 REPLIES 3
TSlop
Valued Contributor

Re: BOA cards question...

In my experience, yes, though I couldn't tell you a real timeframe or any concrete factors.

 

I opened my first BoA card around 2014 at $5k and it auto increased to $6k. I opened up my PR many years later and it opened at $37.5k. I could not tell you what factors  influenced that, because it could be anything, such as income or CLs on other cards I had prior to opening it, but they did give me a higher CL on my second card.

Message 2 of 4
Copenix
Member

Re: BOA cards question...

I opened my first BoA card in 1/2022 - with a meager 1,000$ limit - applied for a CLI 12 months later to 5,000$ that was approved - and 12 months later that got auto-CLI'ed to 8,000$.

 

My second BoA card was opened in 9/2023 - and the CL was 6,800$

Message 3 of 4
Jeffster1
Valued Contributor

Re: BOA cards question...

I was approved for a BofA CCR Secured in March 2021, two months after my 13 DC for $3000. It graduated in 8 months and is now sitting at a CL of $20,000. Once my inquiries go down a bit,  I will be requesting a CLI to 30K. 

FICO 8 EX 829 EQ 824 TU 844
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
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