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

[Anonymous]

Congratulations!

[Anonymous]

This is fantastic

[xnxo]

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@Anonymous wrote:

I forgot to update the update, lol. I was eventually able to have to fee removed, but I did it through the backdoor number listed on the forums. 

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What number did you use? I emailed the EO but they were unable to remove my AF. Bummed!

Thanks!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I forgot to update the update, lol. I was eventually able to have to fee removed, but I did it through the backdoor number listed on the forums. 

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What number did you use? I emailed the EO but they were unable to remove my AF. Bummed!

Thanks!

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Here's the link to the thread with the backdoor numbers. http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066  I don't remember which one I used, but I do know I had to keep pestering until they finally removed it. Good luck! 

[newhis]

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@xnxo wrote:

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@Anonymous wrote:

I forgot to update the update, lol. I was eventually able to have to fee removed, but I did it through the backdoor number listed on the forums. 

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What number did you use? I emailed the EO but they were unable to remove my AF. Bummed!

Thanks!

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Yeah, I don't like that some can get the AF removed and others don't. It should be AF while secured and when unsecured remove the AF also, easy as that.

[Anonymous]

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@newhis wrote:

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@xnxo wrote:

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@Anonymous wrote:

I forgot to update the update, lol. I was eventually able to have to fee removed, but I did it through the backdoor number listed on the forums. 

---

What number did you use? I emailed the EO but they were unable to remove my AF. Bummed!

Thanks!

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Yeah, I don't like that some can get the AF removed and others don't. It should be AF while secured and when unsecured remove the AF also, easy as that.

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My card was never a secured card. After having the card for 7 years, they tacked on that fee. I guess after the Great Credit Limit Slash of 2009. 

[Anonymous]

Congratulations! What a wonderful journey!!!! That is fantastic!!! 

[MakeItAMudLight]

Congratulations!

[Anonymous]

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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.

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. 

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I know this post is old, but I'm hoping you will receive this email. Is BOA reporting your BOA Visa Signature CL of 15K to all 3 credit bureaus? Thanks in advance for all your help!

[Anonymous]

Nice!