I have the 99/500. Got it in November '07. Right on the 10th statement in late September, the card no longer reported as secured. By the first week of October, I received a congrats by BofA with a check for $99. By late October, the CL was still at $500 and requested a CLI online. I was denied, citing util (true) and recent derog (last baddie was in early 2005). I bet if I had util down, I would have been OK.