I just got approval letter on a BofA platiunum plus Mastercard with a $500 cl. I tried to do a cli but it was no go. I still have two paid collections and one unpaid medical collection showing. He said they want to see how i use the card for the next 3-6 months and then try a increase then. I just thankful that i got in the door with them and didnt have to do the secured 99/500. So at least it is a start with a prime card that will hopefully grow with time.