Bank of America secured card

[-Cain-]

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@jamie123 wrote:

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!

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Definitely Good Luck to you!! BofA might not be for everybody, but BofA has been fair to me.

[Revelate]

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@-Cain- wrote:
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!

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Interesting, pretty much everyone else's experience has been that the AF stuck forever.  When did you request it returned / taken zeroed out, and what approach did you use to obtain it?

It's obvious that BOFA has changed some of their policies lately (see all the 1-2-3 rewards on secured cards thread) but this one I'm really surprised by given BOFA's usual business practices.

[-Cain-]

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@Revelate wrote:

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@-Cain- wrote:
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!

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Interesting, pretty much everyone else's experience has been that the AF stuck forever.  When did you request it returned / taken zeroed out, and what approach did you use to obtain it?

It's obvious that BOFA has changed some of their policies lately (see all the 1-2-3 rewards on secured cards thread) but this one I'm really surprised by given BOFA's usual business practices.

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Called earlier this week, CSR told me she'd reverse it and put in a request to have it permanently removed. Adjustment posted midnight that same night, I checked the fees associated with my card before and after and it changed from $39 to $0. I told myself I'd work on getting it removed when it graduated and surprisingly it worked on my first try. I felt better about my chances as I read another poster also had success in getting it removed. I don't remember who it was or what thread I read it in however. I don't know everyone would have the same luck, but you'll never know unless you try. I'm glad I did.

[Revelate]

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@-Cain- wrote:
Called earlier this week, CSR told me she'd reverse it and put in a request to have it permanently removed. Adjustment posted midnight that same night, I checked the fees associated with my card before and after and it changed from $39 to $0. I told myself I'd work on getting it removed when it graduated and surprisingly it worked on my first try. I felt better about my chances as I read another poster also had success in getting it removed. I don't remember who it was or what thread I read it in however. I don't know everyone would have the same luck, but you'll never know unless you try. I'm glad I did.

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Neat.  Thanks bud, will have to see about that myself post-graduation.

[YahComb]

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@-Cain- wrote:

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@Revelate wrote:

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@-Cain- wrote:
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!

---

Interesting, pretty much everyone else's experience has been that the AF stuck forever.  When did you request it returned / taken zeroed out, and what approach did you use to obtain it?

It's obvious that BOFA has changed some of their policies lately (see all the 1-2-3 rewards on secured cards thread) but this one I'm really surprised by given BOFA's usual business practices.

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Called earlier this week, CSR told me she'd reverse it and put in a request to have it permanently removed. Adjustment posted midnight that same night, I checked the fees associated with my card before and after and it changed from $39 to $0. I told myself I'd work on getting it removed when it graduated and surprisingly it worked on my first try. I felt better about my chances as I read another poster also had success in getting it removed. I don't remember who it was or what thread I read it in however. I don't know everyone would have the same luck, but you'll never know unless you try. I'm glad I did.

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I had heard it was better to try to get the AF dropped while doing a PC to a no-fee card after GRaduation. Nice to see it is still possible after the PC. Did you call a regular number on the card, or one of the backdoors? a lot of YMMV with BOA when it comes to secured/formerly secured accounts (some other poster also got a 10-month graduation this april out of the blue after being told it was not possible before 1-year).

I did not inquire about the AF since i wasn't even trying to be graduated early, just get rewards added to my secured card.

[HiLine]

Glad to hear a success story for an annual fee waiving request!