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Regular Contributor
kpresod
Posts: 137
Registered: ‎01-08-2012
0

BOA Secured Card Early Graduation!!!! FINALLY.

Hi All,

 

So I decided to submit an early review for my BOA Secured Credit card few mins ago, and was upgraded to an unsecured account :smileyvery-happy:. My limit increased from $300-$500 but I would be receiving my $300 back hehe. I must say I was asked a sh*t load of questions before being upgraded. However, I thought it would've been an instant process in terms of logging onto my bank account to see if my limit has changed? it's still has the same limit, any reason? Thanks in advance :smileyvery-happy:

Valued Contributor
rootpooty
Posts: 1,745
Registered: ‎10-28-2011
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.

How long did you have the card? Any derogs on your report?
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
kpresod
Posts: 137
Registered: ‎01-08-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.

[ Edited ]

I've had it since January of this year. So next month would've made it a year. I do have 3 derogs that are due to fall off in February, and about 60 inqs combined on my reports. 

Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.


rootpooty wrote:
How long did you have the card? Any derogs on your report?

I wanna know also!...:smileyhappy:....i have a BOA secured cc also, had since 5/12 and my scores have increased quite a bit since then.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
dodgerslv
Posts: 1,759
Registered: ‎06-16-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.


kpresod wrote:

I've had it since January of this year. So next month would've made it a year. I do have 3 derogs that are due to fall off in February, and about 60 inqs combined on my reports. 


thanks....going to wait a little longer and then request for ealy graduation also.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x3) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.

Congrats!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Valued Contributor
rootpooty
Posts: 1,745
Registered: ‎10-28-2011
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.

You should've waited till Feb. I just had mine graduated went from 300 secured to 1000 and had them add the 123 rewards onto my account
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Regular Contributor
kpresod
Posts: 137
Registered: ‎01-08-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.

Sweet! congrats...but I forgot to mention that I also have the 123 cash rewards program. It was added before the account became unsecured. 

Blogger
HiLine
Posts: 2,878
Registered: ‎10-19-2012
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.


rootpooty wrote:
You should've waited till Feb. I just had mine graduated went from 300 secured to 1000 and had them add the 123 rewards onto my account

Did you have to pay an extra annual fee for that?

 

OP, did you get a hard pull from BofA?

 

Valued Member
Fenerbahce
Posts: 40
Registered: ‎04-18-2008
0

Re: BOA Secured Card Early Graduation!!!! FINALLY.


kpresod wrote:

Hi All,

 

So I decided to submit an early review for my BOA Secured Credit card few mins ago, and was upgraded to an unsecured account :smileyvery-happy:. My limit increased from $300-$500 but I would be receiving my $300 back hehe. I must say I was asked a sh*t load of questions before being upgraded. However, I thought it would've been an instant process in terms of logging onto my bank account to see if my limit has changed? it's still has the same limit, any reason? Thanks in advance :smileyvery-happy:


You are where I was about 5 years ago...I went through the same thing with them with the BofA Platinum Plus Card...This week, that same card's limit was raised to 10k as a result of my CLI request. Keep reading and learning here, it will pay off as it has for me. Congrats, you're on the right path!

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