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Thanks for the answer one last thing since I've only had my secured card for 5 months and got it converted, do you think its to early to request an increase?
@Jlu wrote:Since OP's topic has been answered -
For someone who rarely uses their 1-2-3 and always PIF's anyways, would the BBR award me $25 per quarter for any quarter I use it and PIF? That seems like I'd be getting $100/year guaranteed v.s. 3%/2%/1% on the little amount of spending I put on the card.
As long as you have a balance each month and pay more than the minimum payment (on-time) you will receive the $25 per quarter. If you have a BoA qualifying account you would get an additional $5 per quarter (total $120 per year).
@JWest wrote:Thanks for the answer one last thing since I've only had my secured card for 5 months and got it converted, do you think its to early to request an increase?
if you have a secured card you'd have to wait until the card "graduates" and becomes unsecured before elegibility for an increase
But they just allowed me to convert it to the better balance rewards card, so its still secured even after being converted?
I believe so. As far as I know there isn't a way to pc out of a secured card. If you get a refund of the original deposit you made when opening the account in the next month and it hasn't been a year since you opened the account then you beat the system lol. You can always call customer service and verify.
Took about 3 weeks to PC mine.
Hmm that's interesting. Usually when you accept a secured card, the reason why its secured is there is a sum of money equal to your credit line that's used as collateral incase you don't pay. If your credit line is $300 then that $300 should be missing from one of your deposit accounts. If it isn't then you might just have a regular card with a low credit line. If either of these scenarios is not the case then I have no idea what you have lol.