Credit Card Center Advertiser Disclosure†
03-19-2009 12:21 PM
03-19-2009 01:25 PM
I had a BoA fully secured card that unsecured and remained at the same 2k limit that I had while secured. As a matter of fact, it stayed that way until I got my credit scores into the mid-600s, and was able to do a product change to a new card. Then, things took off. My limit is now 7k.
I would suggest that you keep using the card, PIFing, and get your scores above 600, then request a product change. I think you'll see a world of difference in what BoA is willing to do for you.
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"However gradual may be the growth of confidence, that of credit requires still more time to arrive at maturity” ~ Benjamin Disraeli
03-19-2009 02:05 PM
03-19-2009 06:45 PM
03-19-2009 08:31 PM
I had the same problem of no CLI after it unsecured, so I finally spoke to a credit analyst today (after repeated denials from the online requests). He stated that due to high utilization (overall) they couldn't approve a CLI. He stated that BOA likes to see at least 60% available credit for total utilization. Currently I'm at 35% overall availability. Hope this helps. BTW I'm still stuck at the $500 limit - my account was the emerging credit card until January 09 then changed to the World Points Visa.
03-20-2009 09:36 AM
I actually called BofA back after reading some posts on the forum. The CSR told me that the Worldpoints card that I will be receiving is the same one as on the BofA website and I will not be charged an annual fee (like I am with the Platinum Plus card.) The rep also mentioned that I will receive new features, such as rental car insurance.
Here's the link if you want additional card features: