BofA 123 Cash Rewards secured card no AF?

[skorpyo3]

Hey all, I've had my card for almost 1 week and my billing cycle ended yesterday. Still no $39AF. I deposited 3K. Wonder if they just really love me? Anyone else experience no AF or late posting?

[Seatown1two]

Can't speak to that specific card, but the AF on my Asiana amex hit a few days upon being visible online.

[newhis]

That's weird, I just reviewd my first statement and it show the AF charged the first day of the billing cycle.

Did you get your statement yet?

[Anonymous]

I have the 99/500 cash reward card and no AF. I bank with them so I thought perhaps because I have a big savings account with them they did that. 

[CH-7-Mission-Accomplished]

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@skorpyo3 wrote:

Hey all, I've had my card for almost 1 week and my billing cycle ended yesterday. Still no $39AF. I deposited 3K. Wonder if they just really love me? Anyone else experience no AF or late posting?

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Slightly off topic question.  I see that you are two years post d/c on your BK 7.  Did you decide to go the secured route with BofA, even though you have nice high limit cards, just to get in the door with them?  I was thinking of the same strategy with them and with Citibank since both are large national lenders who normally just decline if they see a BK reporting.  Also the same thoughts about FNBO.

Is this your strategy?

[skorpyo3]

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@newhis wrote:

That's weird, I just reviewd my first statement and it show the AF charged the first day of the billing cycle.

Did you get your statement yet?

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Not yet, but it cut a few days ago. I don't see any pending charges for AF at this point.

[skorpyo3]

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@Anonymous wrote:

I have the 99/500 cash reward card and no AF. I bank with them so I thought perhaps because I have a big savings account with them they did that. 

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That's awesome! I also have a checking/savings with them and large card deposit.

[skorpyo3]

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@CH-7-Mission-Accomplished wrote:

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@skorpyo3 wrote:

Hey all, I've had my card for almost 1 week and my billing cycle ended yesterday. Still no $39AF. I deposited 3K. Wonder if they just really love me? Anyone else experience no AF or late posting?

---

Slightly off topic question.  I see that you are two years post d/c on your BK 7.  Did you decide to go the secured route with BofA, even though you have nice high limit cards, just to get in the door with them?  I was thinking of the same strategy with them and with Citibank since both are large national lenders who normally just decline if they see a BK reporting.  Also the same thoughts about FNBO.

Is this your strategy?

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I'm about 2.5 years post bk discharge. You are exactly correct. I wanted my foot in the door. I applied for the regular card last year, and mid-April with declines, but counter-offered this last time with secured card. I believe BofA and Citi prefer 2 years post-bk. I thought about Citi, however, from what I've read it takes a while to graduate(18 mos) vs BofA(6-12 mos). Good luck to you. They are both excellent prime lenders.