$3,100 / $0 / next business day / $10,000 / $10,000

That worked like a charm, so I figured what the heck, let's try for $20,000! The second time, I got the 5-7 day message. I'm hoping that really means 5-7 minutes.

Well, I just got a call from FIA asking why I wanted a $50,000 CLI increase. I told them I picked the number somewhat arbitrarily and that I just wanted a large increase for flexibility and wanted as much credit as they were willing to extend. He asked me about my assets at Bank of America and BOA investment services, confirmed my HHI and then said he was going to go ahead and give me the $50,000 CLI.

I just checked online. To be precise I got a $45,500 CLI since I already had a $4,500 credit limit on that card. He set my limit to $50,000.

FatWalletLurker said:I have two largely identical cards with $2500 limits (two free ipod offers last year with 2k BT) and currently both have ~$1800 on them.

My results, posting a 50k income and 30k additional income. Home-owner, Teacher/Admin.

Worldpoints card:
$2,500 / 5-7 days / $5,000 / (not yet returned)

MLB card, reporting 50k income and 60k additional income:
$2,500 / 5-7 days / $4,000 / (not yet returned)


While I may have hosed myself by putting different added incomes, if asked I'll just say that I failed to include my parents in the first request. It was for the sake of science. I figured a controlled experiment in the second case, telling them what they wanted to hear, would have a more favorable outcome. No dice.

Judging by the small second request and continued delayed response, it probably makes a significant difference if you actually owe a significant amount on your BoA cards.

Totally weird update. The Worldpoints card, on which I have the exact same balance, etc. they gave me a new limit of 10k, 5k MORE than I asked for. On the MLB card, I reported a great deal more income, made a much more reasonable request, and was denied.

A CSR contacted me by phone with the info within about an hour (despite the 5-7 days message on screen).

I too got the "we'll let you know" message, with a ~4,200 balance on my 9,000 card. [Still selling a house, this debt is getting old...] Requested 15k on a 9k card. I'll keep you posted.

stingyMcdingy said:It asks for "Salary"....but when I first signed up for the card I input HHI.

What are y'all inputting? HHI or actual salary? I dont want to deal with the implications of an investigation.
I put actual salary, but then put the rest of HHI in "additional income."

EDIT: ...and I just tried my Fidelity 2% Card that I have been putting $500-800/month and paying in full for almost a year.

Current: 3300, Requested: 24000, Balance: ~$400, Instant approval for $6k. Guess I got a bit overzealous.

went from $35K to $45K .....asked 45K.... was told that decision will be made within 1 bus day but checked online 30 min later...new line is there

just did the same for my parents.. i hope it works

I increased all three of my BOA lines. Data points for everyone!

$31,500/ instant / $40,000/ $35,600

$5,000/ instant / $15,000/ $7,100

$5,000/ instant / $10,000/ $7,100

Went from 12.5K to 19.6K instantly. Not the 30K I requested though

I specifically don't like that the bolder requests are reviewed manually, or at least if you are called by FIA or BofA chances are that they will review your credit.
Won't do good for my BillPay. Anyway, I got some softer CLIs this way, by almost maxing out the lines.

But good luck to you all.

ShyriK said:went from $35K to $45K .....asked 45K.... was told that decision will be made within 1 bus day but checked online 30 min later...new line is there

just did the same for my parents.. i hope it works

confirmed for my parents as well
went from $35K to $45K .....asked 45K