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Bank of america secured card unsecured ?

Contributor

Bank of america secured card unsecured ?

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.
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Message 1 of 34
33 REPLIES
Contributor

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
Message 2 of 34
Established Contributor

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)
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Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 3 of 34
Contributor

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
Message 4 of 34
Contributor

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
Message 5 of 34
Established Contributor

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
Message 6 of 34
Contributor

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
Message 7 of 34
Established Contributor

Re: Bank of america secured card unsecured ?

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

 

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Message 8 of 34
Contributor

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
Message 9 of 34
Frequent Contributor

Re: Bank of america secured card unsecured ?

Hard or soft to unsecure?

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Message 10 of 34