Credit Cards

[kpresod]

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 . 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

[rootpooty]

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

[kpresod]

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. 

[dodgerslv]

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

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

[dodgerslv]

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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. 

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

[Epcot]

Congrats!

[rootpooty]

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

[kpresod]

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

[HiLine]

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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

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

OP, did you get a hard pull from BofA?

[Fenerbahce]

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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 . 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

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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!