BofA Graduation. Now what?

[arsenal04]

I had my bofa secured card graduate on 12/20/12.  It auto graduated after a year of having the card.  BOOM!

However, I did not get a CLI with the graduation, so my limit is still $500, and they just charged me an annual fee on the card.  Is this something I can recon?

[YahComb]

you can try to PC to something else and see if you can get them to remove the annual fee. You should at least be able to get a fee waiver for now. My fee was charged after graduation, then i got them to waive a few days later, and about 1 month later got them to make it a no fee card. I'd recommend calling the credit analyst backdoor-regular CSR's and online specialists probably won't be much help.

[arsenal04]

Thanks.  I'll see if I can get the AF waived tomorrow.

[HiLine]

Congrats on the graduation! I am about to get my card to graduate, too. Did your card graduate on the same day as the statement closing date? On the day your card graduated, what happened? Did your card start getting reported as a non-secured card? Did BofA send you an email about the graduation? I'm trying to get a waiver for the annual fee as well, and am glad to hear that you apply the waiver to a fee that's already charged. Good luck getting thear fee waived. I have my fingers crossed for you.

[arsenal04]

I was called the secured accounts number one day to ask if my account had been graduated yet?  The lady said that it had not and I could ask for it to happen but it would be a HP.  I agreed to the HP and then she said, "Wait,  you card was auto-graduated yesterday."  Ended up saving me a HP.  I think it happened right after my 12 statement cut.

[knoregs]

Congrats. I've had my secured BOA card for about 6 months so I'm half way there.

~kn

[dude11]

Thanks OP! I felt like asking for an early graduation this month but decided to play by the rules and see if it auto graduates next month on its 1 year anniversary. Hopefully it does and saves me a HP.

[HiLine]

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@dude11 wrote:

Thanks OP! I felt like asking for an early graduation this month but decided to play by the rules and see if it auto graduates next month on its 1 year anniversary. Hopefully it does and saves me a HP.

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It will for sure! BofA has the best reputation for consistent graduation!

[floridableu]

Hi, 

Can I add another question for you, YahComb?

From reading your comment I just called BOA's card specialist to make my card a AF free one. And (YAY) she told me she would remove the AF for me. 

It's been less than an hour since I talked to her, and I'm still seeing AF appearing on my account info. (from BOA's website)

Does it mean that   1) I just need to wait a day or so for the request to be processed (and my card will be fee free soon) ?  

                                    2) She will waive my fee just for this time?

                                    3) Nothing changed?

Please leave me a comment if anyone knows the answer.

 Thanxx

[YahComb]

Florida,

when i got my fee waived, the guy specifically used the word "waive". Next Morning i had a credit of 39.00-i checked my account info and my annual fee was still 39.00

 When they finally removed it about 5 weeks later, the guy said something about "suppression". It was the next morning when i checked my account info again that i saw it changed annual fee from 39.00 to 0.00.

I assume if she said she could get it removed, she means just that(taking it to zero) and not a simple waiver.