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Bank of america secured card unsecured ?

Contributor

Re: Bank of america secured card unsecured ?

I believe it was a soft pull to unsecure the card. I didn't call them to unsecure it. The card unsecured automatically. It was a hard pull on transunion for the credit limit increase to $1500. I got notified from privacy assist about the hard pull on transunion for the increase.
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Message 11 of 34
Established Contributor

Re: Bank of america secured card unsecured ?

I wouldn't be so quick to pull trigger to close account because they will not remove AF.  I know my graduration was a hp, but then again I had 5500 limit and I requested it.



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Message 12 of 34
Contributor

Re: Bank of america secured card unsecured ?

I am planning to apply for another Bank of America cash rewards card and let both cards age and when the formally secured card hits 2 years old I will consolidate the credit limit to the no annual fee card. Is that a good plan ?
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Message 13 of 34
Regular Contributor

Re: Bank of america secured card unsecured ?

Mine unsecured in August and two days later I called and had them PC to a 1-2-3 rewards card. There's no hp for it and I recieved the card a few weeks later. If you are interested in a rewards card they will pc it but the af does stay. Just a lil food for the thought.
Message 14 of 34
Regular Contributor

Re: Bank of america secured card unsecured ?

Congrats! I'm on 9 months and still can't get them to unsecure me. They keep telling me that I would have to wait 12 months before they can review the account. What did you do ? 

Message 15 of 34
Contributor

Re: Bank of america secured card unsecured ?

I didn't do anything special lol. All I did was pif every month. At my 10 statement I let 1 dollar report by accident and on the 11 statement I let 0 dollars report. Then I made a payment and the next day I saw the deposit in my account for $600 bucks. I bank with them so they must love me lol. Smiley Happy
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Message 16 of 34
Regular Contributor

Re: Bank of america secured card unsecured ?

Lol ok that's awesome! And Owen did you open this account ? 

Message 17 of 34
Contributor

Re: Bank of america secured card unsecured ?

Do you mean when did I open the account ? October 2011
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Message 18 of 34
Valued Contributor

Re: Bank of america secured card unsecured ?

Did you notice them softing you every month. They would be doing it on TU if they were. Typically they don't do it till the 12th month and usually you have to make a move to get it done and its a HP for that so you got lucky OP. Congrats
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Message 19 of 34
Regular Contributor

Re: Bank of america secured card unsecured ?

Typo.....and ok, mines was opened in January 2012....so yeah; I'll have to wait. 

Message 20 of 34