@gabeerwin wrote:
@JR_TX EX is approx 688. I considered applying for a different card. I think I’ll wait until 2019 before doing that. That will put me at 2 years having this card.
I had a 99/500 card in 05/2015. Although it graduated in 6 months, they never approved any CLI on it until I decided to app for a new card in 07/2016 and got approved for $2K. I then closed my 99/500 card and combined the two a couple months later. That card now sits at $20K. They’ll most likely pull EX for new apps and use TU for CLI and acct monitoring. My EX FICO8 were in the 700s when I did all these.
@Anonymous wrote:I had the 99/500. I put 2000 a month on it for 2 months paying several times a week. It unsecured at 5 months and I asked for 5k credit limit. They gave me 1k. At 11 months I didn't want to the pay for annual fee so I cancelled it. Then in my BOA account I keep seeing offers so a month later I applied for Premium Rewards and was given a 25k limit.
Are you a BOA checking/savings customer? I think they give better service to their banking customers.
After reading through the thread, I think that may be part of it. I don't have the aforementioned yacht, but I have had extremely friendly and helpful senior analysts every time that I've spoken with them (as recently as today). I've joked before that I have to set time aside when I do call because I'm often on the phone with them forever because it's like catching up with an old friend, who also tries to talk me into every lending product they offer before saying goodbye.
Scores may also play a part in it. The floodgates at BoA opened for me once my scores were in the 730ish range. Perceived wealth may be another factor. I'm not sure if senior analysts have internal checking/savings/etc. data readily available to them or not, but if so higher income clients may have a bit of an advantage there.
After reading through the thread, I think that may be part of it. I don't have the aforementioned yacht, but I have had extremely friendly and helpful senior analysts every time that I've spoken with them (as recently as today). I've joked before that I have to set time aside when I do call because I'm often on the phone with them forever because it's like catching up with an old friend, who also tries to talk me into every lending product they offer before saying goodbye.
Scores may also play a part in it. The floodgates at BoA opened for me once my scores were in the 730ish range. Perceived wealth may be another factor. I'm not sure if senior analysts have internal checking/savings/etc. data readily available to them or not, but if so higher income clients may have a bit of an advantage there.
I concur with KiB here....
Score and Income plays a huge part in growing BoA CL apart from relationship of course.
BoA only gave DW $5K CLI last SP outing out of $10K I asked while they gave me the whole pie that I sought ($8.5K). DW TU that time was low 700s while mine was 748. My income is also about 25% more than hers. To think DW is the primary on our checking and savings with them! Oh and I burned them for quite an embarrassingly huge amount while DW settled her debt with them before they can even send to collection about 10 yrs ago.