BOA Secured Graduated 15K [UPDATE: AF Removed & Siggy]

[JLK93]

I have had a BOA secured VISA for 6 months with a limit of $2,500.

I called the number on the card and asked to have it unsecured and PC'd to a Cash Rewards Visa. The CSR complied with both requests and returned my deposit. However, he refused to raise the credit limit.

A couple of days later, I called the backdoor number and spoke to a credit analyst. He raised my limit to $15,000. This is now my highest non credit union limit.

The analyst also insisted that the card had never been a secured card. So, I pulled out my old credit reports. It turns out that the card had only reported as secured on Experian and Equifax. On Transunion it had always reported as unsecured.

UPDATE:  I sent an email to the EO and they removed the annual fee.

I would highly recommend the BOA secured card to anyone. In my opinion it is the best secured card available. It has worked out exceptionally well.

UPDATE:  When I emailed the EO, I had requested that my card be converted to a Cash Rewards Signature Visa. However, in spite of many attempts, I was unable to contact with the Customer Advocate assigned to my case. Apparently, she had been out sick the last few days. She just checked her messages and saw that I had been trying to contact her. So, she called me on a Saturday night to let me know that I was approved for a PC to the the Signature version of the card. Now, that is good customer service. 

[baller4life]

👏👏👏 CONGRATS!!!!

[coldnmn]

Congrats! Thanks for sharing.

[One7]

Congratulations! One of the many reasons its the best secured card out there, I cant say this enough. Very awesome work there OP

[s_haliz]

Congrats!!! 

[Kenny]

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@oilcan12 wrote:

I have had a BOA secured VISA for 6 months with a limit of $2,500.

I called the number on the card and asked to have it unsecured and PC'd to a Cash Rewards Visa. The CSR complied with both requests and returned my deposit. However, he refused to raise the credit limit.

A couple of days later, I called the backdoor number and spoke to a credit analyst. He raised my limit to $15,000. This is now my highest non credit union limit.

The analyst also insisted that the card had never been a secured card. So, I pulled out my old credit reports. It turns out that the card had only reported as secured on Experian and Equifax. On Transunion it had always reported as unsecured.

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Congratulations on your unsecuring and credit limit increase! Thanks for sharing.

[Anonymous]

Congrats! Very interesting.

[newhis]

Did you ask for the AF to be removed? 

[JLK93]

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@newhis wrote:

Did you ask for the AF to be removed? 

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No, I asked for a PC to Cash Rewards. When I get the new card I'll call and see if it still has the AF attached.