Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit line increase/decrease Arizona

After nearly a decade of business with Bank of America, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Bank of America placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional - Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is - of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with - representatives by phone and - chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Bank of America. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated -. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase.