SPIN Unprocessed July 6, 2026 ai_technology consumer_credit
Bank of America CLI Confusion
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I need guidance lol. My credit history is just over two years. My first card was the Customized Cash Rewards card with BofA, $500 limit. Truthfully I barely touched the card for the first year, and never posted a balance. A year and one month later I applied for the Unlimited Cash Rewarda card and was given a $3,000 starting limit. Later on in the year I requested my first CLI on my CCR from $500 -> $1,500. Very soon after that I tried to increase my UCR (impulse), and I was denied for that a
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