They offered me a credit line of $500 after making me wait for 1 month WTF Total line of credit 22k among 4 cards now 22.5 lol , credit history 2 yoe, no missed payments or -ve remarks, just car loan of 30k financed Grow up BOA! TC 136k YOE 2
I largely keep Bank of America credit cards so that I don't lower my credit score by lowering the average credit card age. Though I picked 3% on gas for cash rewards, which is decent. There are so many other great options out there. Citi 2% Cashback, Discover rotating 5%, hotel and airline rewards cards and so on. If you don't like it, close and get a new card.
They hard pulled, not worth closing, will take $200 bonus lol
Hard pull goes away in a year. The longer you keep it, the harder it becomes to close it due to the effect on your credit score. If you don't like it, take the bonus, keep it for the minimum required months and close it and get a new card. You can also keep it open and get a new card. It has a small credit line anyway. Unless you're getting a new mortgage soon.
There are a lot of factors. Debt to income ratio, credit score, borrower risk and such. I agree some banks provide more limit but it is upto the bank’s risk calculation.
OP I just looked into this for you, it says you're broke
🥲
You have no history grow up
New grad starts somewhere 🥲
Build your credit. Check out products like Chime Financials Credit Builder! https://www.chime.com/apply-credit-gb/?keyword=apply%20for%20chime%20credit%20builder%20card&ad=g_72620221120_cb-dd&gbraid=0AAAAADsFIgTZdhBAX_i-jHhMaUqUXFJe6&gclid=EAIaIQobChMImYvp69nw_QIV8CCtBh1lwwz8EAAYASAAEgKYovD_BwE
Yes BoA are dumb fucks. I have 20 credit cards. The lowest limit I have on other cards is 5000$. Stupid boa gave me 500$. As I already had gone through the credit check, I kept it, but I am not using it.
Chase cards are way better
I don’t think credit cards are great, so you aren’t missing out on anything
If one knows how to manage them, nothing better than credit cards.
BoA is trash. DM, I’ll refer for X1 card. Pretty sure you can get >15k credit limit with your TC. I have 24k
No sign on🥲
I mean intro😂
Your first mistake is to have bofa cc , use chase.
Have freedom
First card
That’s about right, you have no credit history
🥲
Opening 4 cards in 2 years is a 🚩