We're always told that we receive the limits/increases that our own personal profiles support. However, I've been reading some threads and see a pattern with BofA computed generated limits despite different profiles.
I see this pattern 2,500 > 6,500 > 10,000 > 18,000 and so on. Seemingly, they first give 4,000 increases then 8-9,000 increases. Afterwards, people call in to recon those increases to the original requested amount. Usually getting them.
I was at 14,000 on BofA. Requested an increase to 25,000 and was given one to 23,000. 9,000 CLI. I then went and asked for an increase on another card and got the full amount. Only thing is they deducted that requested amount from my 23,000; bringing it down to 9,000. I'm obviously at my internal limit right now. No biggie. However, I am wondering if when I do try to raise it to 23,000 again(as I know I at least qualified for that currently. My profile will only approve, and so should my internal limit with BofA), will I be given it to at least 23,000 again from 9,000(by this time my other BofA card will no longer be with Bofa so my overall exposure will only be on one card)? They were ok with me having 23,000 on one of their cards before.
If we're actually given what our profiles dictate using our internal scores with BofA, then I should be able to get a computer generated approval with one hard pull in the coming months without having to recon. However, if it's incremental, then I will most likely get a 5,000 increase from the computer because it sees my current limit as 9,000 and will go up one level.
Can everyone share their Bofa computer generated increases?
