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Established Member
Posts: 20
Registered: ‎06-05-2012
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BofA partially secured (99/500) card early graduation and CLI

Hello all,

BofA has just graduated my partially secured CC (aka the 99/500 card), right after the 10th statement cut. They have also increased the credit line to $2,000. I'm assuming this is all with a SP since I did not ask for anything.

I have been using the card quite a bit, especially in the last 5 months – $700 charged per month on average, with a payment every week to bring down the balance to $0.

Hope this will be of use to those of us who went this route for building and rebuilding.
FICO scores: EQ 750 (Jul 2012)
Wallet: BofA Cash Rewards $2k, BofA Travel Rewards $7.5k, Discover It $5k, Amex Zync NPSL
Status: Attending to the garden.
Established Contributor
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Registered: ‎09-10-2012
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Re: BofA partially secured (99/500) card early graduation and CLI

Congrats!! Cat Very Happy   I have one of those too but it's only been opened since August. I can't wait for mine to graduate.....I run through quite a bit and pay weekly like you do. That is a nice limit they gave you!!

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Re: BofA partially secured (99/500) card early graduation and CLI


gulobasito wrote:
Hello all,

BofA has just graduated my partially secured CC (aka the 99/500 card), right after the 10th statement cut. They have also increased the credit line to $2,000. I'm assuming this is all with a SP since I did not ask for anything.

I have been using the card quite a bit, especially in the last 5 months – $700 charged per month on average, with a payment every week to bring down the balance to $0.

Hope this will be of use to those of us who went this route for building and rebuilding.

This is great news!  Congrats on reaping the early fruits of your efforts!

Way to go!


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Posts: 3,360
Registered: ‎10-19-2012
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Re: BofA partially secured (99/500) card early graduation and CLI

Congratulations! I was going to say it was unusual to 4x the credit limit after graduation, but then I saw you had a card with a near 5k limit already Smiley Wink

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Re: BofA partially secured (99/500) card early graduation and CLI

Nice, that is great news! Congrats. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
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Regular Contributor
Posts: 116
Registered: ‎11-13-2011
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Re: BofA partially secured (99/500) card early graduation and CLI

Anyone have info on this card? Scores needed? Any bad information you had on credit when you applied?
Established Member
Posts: 20
Registered: ‎06-05-2012
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Re: BofA partially secured (99/500) card early graduation and CLI


Unoriginalnj wrote:
Anyone have info on this card? Scores needed? Any bad information you had on credit when you applied?
I had no baddies, no. And no credit history either, since it is the first card I got upon arrival to the US.

From what I have learned in these forums, you cannot apply for this card directly. You can only get it as a counteroffer from BofA after they have denied you a regular CC.
FICO scores: EQ 750 (Jul 2012)
Wallet: BofA Cash Rewards $2k, BofA Travel Rewards $7.5k, Discover It $5k, Amex Zync NPSL
Status: Attending to the garden.
New Contributor
Posts: 55
Registered: ‎10-23-2012
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Re: BofA partially secured (99/500) card early graduation and CLI

congrats!!! How exciting!!!! Got mine in October and have been paying it down every week as well...I added the Cash Rewards program to it and i love it...I have nothing bad to say about BofA!!!

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Regular Contributor
Posts: 116
Registered: ‎11-13-2011
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Re: BofA partially secured (99/500) card early graduation and CLI

Any information on your scores and any derogatory info on your reports? May help others considering the card.
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