I accepted this offer from BOA 2 months ago, even though like many folks I can and do get cards with $ 10K+ limits. Something about that red card! Anyway I contacted them to express my frustration about such a low limit and asked for the limit to be raised to $ 5K. I received an “unable to approve” letter in the mail but the reason given is interesting: “Your account has been open for less than 5 months.” Everything I’ve seen here leads me to believe they consider changes only after 1 year in most cases. So…I’ll ask again in 3 months and update this post. Thanks again to everyone who has helped this guy go from 531 to 724 and still climbing!