JAGLUR said:Does anyone know how easily Wells Fargo can go above 25k?
What is the largest personal credit limit with them?
I started with 2k in 2006, went to 7k and then to 22k by the phone.
Jump from 7k to 22k was a bit of surprise since I only asked for 11k.
They will allow requests every six month via regular CSR phone.
This time I am thinking about shooting for 45k as they alway counter if too high.
They have been the leader in my cc portfolio and others(esp. BofA) have followed.I too like Wells Fargo - others have not had the best experiences with them.

I was able to secure a second card and consolidate lines into one

SiGuyUWP said:I just did the online form with BOA and went from 9900 to 17.5K in about 5 seconds. I had requested 20K, so I'm wondering if I can try this again in a few weeks. Does anyone know how long I should wait?

Edit: I did it on my other BOA card, which I never use. Went from 500 to 1K. Yipee. The 17.5K already shows on my other account so I can't complain too much.In my experience, roughly 3 months is the time frame. When I've requested another credit line increase within 3 months of the previous increase, I've always gotten a message about them letting me know followed by a letter in the mail with a denial.

luvdeals said:SiGuyUWP said:I just did the online form with BOA and went from 9900 to 17.5K in about 5 seconds. I had requested 20K, so I'm wondering if I can try this again in a few weeks. Does anyone know how long I should wait?

Edit: I did it on my other BOA card, which I never use. Went from 500 to 1K. Yipee. The 17.5K already shows on my other account so I can't complain too much.In my experience, roughly 3 months is the time frame. When I've requested another credit line increase within 3 months of the previous increase, I've always gotten a message about them letting me know followed by a letter in the mail with a denial.

Ok, good to know. Thanks!

just a bump for anybody new - it's nice to know who pulls hard when you request CLI. i just cranked my Discover and BofA up today after remembering this!

zenmaster123 said:Just used online form for BofA CLI.
I have two CC from BofA.
CLI : 1000 to 1300 and 3500 to 5000. Both were instantly approved.

Today i made online request again after about 4 months since i first requested CLI increase.
This time
1300 to 2900 and 5000 to 12000. Both were instantly approved.

jakeru said:Discover now has credit limit increase built into their automated voice response system (1-800-DISCOVER):
http://www.fatwallet.com/forums/finance/805758/m13426696

The automated system prompted me for the credit increase dollar increase amount requested, and household income. (Key in using phone buttons.)

Also, I recall reading in another fatwallet post somewhere (but don't have a link at the moment) that they have increase their wait interval between CLIs from 3 months to 6 months. I will update the quicksummary with this.

I just opened my first Discover account in December - they started me off with an $8k line. Should I wait 6 months before asking for a CLI? If I attempt it through the automated system and I get denied, do I get one of those credit-nazi "no CLI for you, come back 1 year!" letters?

solarUS said:their new policy is 6mo minimum, but the CSRs will still try before that.

Hard pull after $15K

BoA just fxcked up my account. Put the request for online CLI (Last time I did was 2 months ago), got a phone call asking few things about my income, debt, etc. Upon review, they found my debt is too high (from AOR last summer), so refused CLI *AND* closing account due to 0 balance, despite the fact I have enough balance in my checking account to pay them off immediately.

Great, just great. It's been one of my older account with fairly ok CL (8.5k).

pthor1231 said:Well, doing a CLI request just a mere 2 months after another CLI request seems kind of silly in the first place. And how is your debt still high, if your AoR was in the summer, most everything should be paid down a decent amount.

Well, if you followed this thread, BoA CLI was considered easy-going. I even saw a post saying it's possible to get CLI every 2 weeks for 500~1000 CLI. I am just warning that it might not work as before -- especially considering economy situation. (By the way, CLI amount I requested was 1500)

Yes, most of them have been paid down more than half, few already paid off. Utilization is about 15% of overall credit limit.

burningrave101 said:Where exactly is the option to request a credit line increase for Bank of America on a personal card?? I can't find it anywhere! When I click on request a credit line increase on the customer service page it only lets me select my BoA business card and nothing else. I have three personal BoA cards and I want to apply for a credit line increase online so there's no hard pull.upon login, look to the left in the gray area labeled "I want to..."

click "Service My Card"

again on the left gray area labeled "Balance Summary"
under your Available credit and Temporary Authorization(rounded)

click "Request a credit line increase"

fill out income form and submit.