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Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

BOA Secured....Unsecured!

I was checking my bank account earlier and noticed I had a 99$ deposit that posted. I knew instantly what it had to be. But my BOA Secured card was only 9 months old so when I looked at the account info for my card, the limit was now showing $2000!

So they unsecured my $500 secured card and gave me an auto 4x increase to $2000. I'm so freaking excited I can't stand it. I wasn't expecting any unsecuring action for another 3 months. Plus they did all that without me initiating it. So I'm assuming it was all done with a soft pull. If they do all this auto, shouldn't it be a soft pull?

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Established Contributor
sphinx313
Posts: 567
Registered: ‎02-12-2011

Re: BOA Secured....Unsecured!

SSSSSSSCOREEEEE! Congrats!



Starting Score: 532/564 10/21/12
Current Score: TU: 594 EQ: 628 EX: 617 BoA Credit Pull Denial Letter 2/20/2013
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Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

Re: BOA Secured....Unsecured!


sphinx313 wrote:

SSSSSSSCOREEEEE! Congrats!


Thanks! It was quite the pleasant surprise that's for sure. :smileyvery-happy:


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Established Contributor
rtw
Posts: 797
Registered: ‎05-01-2012

Re: BOA Secured....Unsecured!

Congrats! That's awesome.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 698 (my FICO 07/08/14) TU: 693(07/08/14) EQ: 675 (07/08/14)
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Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: BOA Secured....Unsecured!

Congrats!!! Mine is 6 months old and I can't wait for it to graduate!! That's a nice increase they gave you too!! What is ur highest credit limit on other cards? You may have it posted but I'm on my cell phone and can't see everything.
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

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Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

Re: BOA Secured....Unsecured!

[ Edited ]

Well I was just approved for Discover It with a $7000 credit line. I've already received the card a couple of days ago, but it's not reporting yet. So the BOA at $500 was actually my highest limit as far as they could see. :smileyhappy:  But I pushed about $800 a month through it, making payment at least 3 times a month. And of course always paying in full each month as soon as the statement cut. I never let a statement cut with more than 10% util on it.

 

Plus I think they pull TU for increases, and it's gone up a lot over the last few months, currently at 711.


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Frequent Contributor
2011beginnings
Posts: 290
Registered: ‎02-01-2013

Re: BOA Secured....Unsecured!

Sweet. Congrats!
PenFed AMEX: $5500 | AMEX BCE: $6000 | BofA BBR: $5000 | Discover It: $3000 | CS: $5000 | CSP: $5000 | Citi Dividend Platinum Select: $4300 | BofA CR: $7500

TU: 722 / EX: 763 / EQ: 735
Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: BOA Secured....Unsecured!

Well, that's encouraging. Next week my highest limit of 6k will show up so that will be nice. I use the boa card alot too and pay it off weekly. I just got the rewards added to it....have you added that to yours yet?
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

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Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012

Re: BOA Secured....Unsecured!


snowkitty wrote:
Well, that's encouraging. Next week my highest limit of 6k will show up so that will be nice. I use the boa card alot too and pay it off weekly. I just got the rewards added to it....have you added that to yours yet?

Actually mine came with rewards already attached. I had originally apped for the Visa Sig card and was denied, but they countered the 99/500 card and I took it. But when it came in the mail it was a Cash Rewards 123 card, although secured, but I wasn't complaining. I've redeemed probably around $100 in rewards in the last 9 months, love it!


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Established Contributor
snowkitty
Posts: 979
Registered: ‎09-10-2012

Re: BOA Secured....Unsecured!

That's great! I just found out about it here a while back and got it added. As much as I use that card, I should accumulate money fast too :smileyhappy:
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 7.5k | Boa Travel 9k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 13.5k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*

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