I am very new with credit card stuffs. I started with a BOA secure credit card with a credit limit of $300. I always pay off my balance in full each month and never go beyond my credit limit. I usually try to keep my credit utilization below 20%, only once it was %60.
I expected access to higher credit line after several months, but now BOA has offered only $100 credit line increase, so a total combined credit line of $400.
I know that my credit score affect the credit line, but I want to know if after all, my current credit card issuer consider the fact that I am only with them so they do not need to necessarily provide me a better offer? I mean if I had another option (another credit card), doe BOA would done the same (only increasing $100 over after several months)?
Do I need to bargain with BOA customer service for higher credit line?