Originally Posted by
twomuchwork
I am a full time college student. I currently have ONLY a $600 limit Bank of America student credit card. I had the card for about 3 years. According to creditkarma, my credit score is ~745. Why was I rejected for requesting a higher limit line? I got rejected 2 times (I requested it a few months apart). I pretty much stopped using the credit card and just have a few subscriptions with automatic payments setup on that. What am I doing wrong? I got declined for an actual credit card for Bank of America.
Hello Twomuchwork,
When you got rejected you must have given a reason in writing. Did you try to talk with them and reason to see if they could re consider. Also may be BOA is a bit strict but explore other options like Chase and Citi. Never had BOA , only Citi,Chase and Amex.
Also , I always add my roommate's income but made it reasonable to show annual income of household.
Give a gap for some time before you apply for another, too many rejections will only look -ve and deterrent in future.
Dracs