@afbar1114 wrote:nothing can happen for 13months part of the credit card law... spoke to a few reps for diffrent cards and they all told me the same thing no upgrades no nothing except CLI are allowed untill month 13 because of the law
I didn't look at the law that closely, but I don't think that applies for a secured -> unsecured decision. Nothing else is happening outside of a refund of the deposit securing the card in this case, there's no actual change to the APR, limits, or anything else with regards to the account in question.
Christa: I didn't have CO with BOA, but I did something silly with my finances back in 2010, had a 30/60 day late, PIF'd, and they closed the account (after it had unsecured, 36 years to finally grow up apparently...). It was no trouble to get another secured card with them.
