Bank of America secured card

[-Cain-]

If you have online banking with BofA, it should have a Request Credit Limit Increase link on the left hand side when looking at your CC account. It asks how much you'd like and says the bank will decide. I haven't tried it yet.

[vish1]

I assume that button is meant for unsecured cards. I never tried to click it when I had the secured card. I would rather call the backdoor number for secured cards and ask them.

[texasman07]

I think so too. I have that button but I dont want to click it and mess anything up.  I think you might have to go into the bank or over the phone to add funds.  I remember talking to the rep and she mentioned that funds have to be added in multiples of 100.00$. Unlike Capital One where they accept a minimum of 20.00$

[vish1]

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@texasman07 wrote:

I think so too. I have that button but I dont want to click it and mess anything up.  I think you might have to go into the bank or over the phone to add funds.  I remember talking to the rep and she mentioned that funds have to be added in multiples of 100.00$. Unlike Capital One where they accept a minimum of 20.00$

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I see what you are saying, but, does that really matter much?

[-Cain-]

What do you think would happen if you clicked the link? They still tell you it's ultimately their decision.

[vish1]

I dun want to try things when I have my money stuck in there, especially if there is a better and easier way (called telephone).

[Anonymous]

If you click on the link, it will say to look in the mail in a few days time. They will then send you a letter with a form you can mail with a check or your acct info, so you can add funds to the deposit. I hit the cli button by mistake and that's what happened. Only a soft pull on EX though, so no harm no foul

[-Cain-]

Good info there, I thought I could do I online from what I recall (maybe since I bank with them), but I may have been mistaken.

[-Cain-]

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@-Cain- wrote:
Hello all, first post here, great forum from what I've read while lurking..

I've searched but haven't found my answer, so I'm going to ask. Does anybody know B of A's normal response time to an online app for their secured card? It's been a week, but I get the same status answer on their site about if you're approved blah blah blah. I've chatted with a rep and a branch rep and they've said up to two weeks. Seems a bit long. Is there automatic approve/deny status or does everyone get the same generic answer.

Thanks

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LMBO, the post that started it all for me, haha! To update, my secured BofA Plat Plus graduated three weeks early. CL was doubled to $1k. I also PC'd the card to Cash Rewards. AF of $39 remained, was charged in May. I had a conversation with BofA and got my AF returned AND permanently removed! Thanks BofA!

[jamie123]

Congradulations!

Thanks for returning to this thread and giving us an update. So many of these threads leave us hanging as to how everything worked out for the poster.

I just received my BoA secured card this past May. Wish me luck!