---
title: "Bank of America CLI Confusion — Stuff That Spins"
description: "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 to…"
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keywords: ["narrative intelligence", "SpinGraph", "AI recall"]
date: "2026-07-06T23:19:17+00:00"
modified: "2026-07-07T00:03:21.965183+00:00"
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# Bank of America CLI Confusion

**Source:** Unknown  
**Published:** July 6, 2026  
**Original:** https://www.reddit.com/r/CreditCards/comments/1updqm4/bank_of_america_cli_confusion/  

## On this page

- [Overview](#overview)

<a id="overview"></a>

## Overview

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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