Credit Cards Center Credit cards from our partners
Reply
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Bank of america secured card unsecured ?

[ Edited ]

I think my bank of america card unsecured today because I see the credit in my checking account. Should I wait until next month to get a CLI or can I call and get one. It looks like it unsecured about 2 weeks earlyCat Surprised

Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Re: Bank of america secured card unsecured ?

Yes it unsecured yesterday. It says secured card collateral refund.
Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: Bank of america secured card unsecured ?

I requested a cli from 1.2k to 3k just three Weeks after an early graduation (10 months). in 5 minutes it was approved.
EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Re: Bank of america secured card unsecured ?

Was it a hard pull for the credit limit increase? Did they take off the annual fee?
Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Re: Bank of america secured card unsecured ?

So I called them for the increase and since I'm under 21 they will send me a letter about the increase and I have to fill it out. The annual fee stays **bleep**. If I can't get it refunded and taken off I will eventually close the account.
Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Established Contributor
Posts: 599
Registered: ‎03-10-2012
0

Re: Bank of america secured card unsecured ?

annual fee stayed. They said they couldn't at that time and to call back in a few months. I know a member here was able to get the annual fee removed after graduation a couple months later when the next AF showed up. So Maybe they can't/won't do it before the first 12-13 months. My AF came on my second statement last year, so 12 months from that will be the next  statement for me (which will start in like 3 days). So i will see in a few days what can be done.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Re: Bank of america secured card unsecured ?

Yahcomb if you get the annual fee removed let me know please.

Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: Bank of america secured card unsecured ?

Congrats on going unsecured. Was that the 99/500 card?

 

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 9k | Boa Travel 10k | 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 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Contributor
Posts: 94
Registered: ‎06-16-2012
0

Re: Bank of america secured card unsecured ?

Nope it was a fully secured card. I deposited 600 bucks to get a $600 credit limit
Discover IT Student $3k. Bankameri better balance $3k.
Chase freedom 2.5k
Frequent Contributor
Posts: 271
Registered: ‎03-15-2012
0

Re: Bank of america secured card unsecured ?

Hard or soft to unsecure?

Fico Scores:800+Club

Marvel MC 25K AMEX BCE 18K AMEX Blue Sky 13.6K AMEX BCE 13.5K AMEX Zync
NPSL(AU) Citi Double Cash 14.5K PenFed Plat Rewards 14.5K Citi Forward 10.3k Discover it 9.5K Wells Fargo Cash Back 7.2K BankAmericard Better Balance $700 Chase Freedom $500 Capital One Quicksilver $6K Capital One Platinum (AU) $500 Capital One Secured Card (AU) $251(Closed) PenFed PLOC 14K
PenFed Promise 5K

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.