BofA Secured

[ccnewb23]

I have had a BofA Secured Visa for about 6-7 months. Last month I got a Barclays rewards mastercard and this month I got an AmEx Green.

The secured visa card from bofa has a 300 limit on it so I pretty much never use it. I charge a few bucks on it and pay it off before the statement cuts just to get some activity on the card.

My question is, should I call BofA to see if this card could graduate? is it too soon to ask before the 1 year mark?

Also, when i request this... will it be a HP or SP?

[arredondo3417]

You should call them and ask them to upgrade I have a bank of America with 2100. but before that I had te secured card for 400 then after 7 months I call and switch it to the. Visa rewards and that's the credit line that they approve for me . Call them and good luck

[corymcd88]

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@ccnewb23 wrote:

I have had a BofA Secured Visa for about 6-7 months. Last month I got a Barclays rewards mastercard and this month I got an AmEx Green.

The secured visa card from bofa has a 300 limit on it so I pretty much never use it. I charge a few bucks on it and pay it off before the statement cuts just to get some activity on the card.

My question is, should I call BofA to see if this card could graduate? is it too soon to ask before the 1 year mark?

Also, when i request this... will it be a HP or SP?

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You should have you BOA credit card changed to a point system or the 123 cash back, I did and I love mine.

[ccnewb23]

Awesome, I guess I'll give them a call and hope for the best.

What's the best BD number I should call?

Thanks in advance.

[LS2982]

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@ccnewb23 wrote:

I have had a BofA Secured Visa for about 6-7 months. Last month I got a Barclays rewards mastercard and this month I got an AmEx Green.

The secured visa card from bofa has a 300 limit on it so I pretty much never use it. I charge a few bucks on it and pay it off before the statement cuts just to get some activity on the card.

My question is, should I call BofA to see if this card could graduate? is it too soon to ask before the 1 year mark?

Also, when i request this... will it be a HP or SP?

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You can always try, but there more than likely going to want to see a year. Although some members here have said they were successful at 9 months.

[arredondo3417]

Go to the credit cards page in the forums then in the first forum conversations click on Blackdoor numbers you should see it there. Good luck to you

[Datx]

Please let us know how it goes when you call. I called a few weeks ago to their secured card dept, and the rep told me that the process to unsecured a secured card involves a hard pull. They will review your history with the secured card, as well as your other cards. She couldnt go through the process with me, since I havent quite hit the year mark yet. Which wont be until mid June.

[ccnewb23]

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@Datx wrote:

Please let us know how it goes when you call. I called a few weeks ago to their secured card dept, and the rep told me that the process to unsecured a secured card involves a hard pull. They will review your history with the secured card, as well as your other cards. She couldnt go through the process with me, since I havent quite hit the year mark yet. Which wont be until mid June.

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Yep, I called it in today and they told me that it has to hit the 1 year mark for the card to be eligible to get upgraded to an unsecured card. From what I understand, the gentlemen that was helping me said they would need to pull an updated credit report so I'm assuming it's going to be a hard pull to graduate the card.

[mxp114]

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@arredondo3417 wrote:
I have a bank of America with 2100.

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Are you from the future?