02-17-2009 12:20 PM
Just want to say thanks for all the success stories people have posted about calling BofA to have their cards unsecured. I opened it on May 10, 2008 with $300. I was looking at the account today and realized it was just over 9 months, so I called the number on the card and asked about unsecuring.
The woman told me to wait until 12 months and call back. So I called the backdoor and asked again and the guy said my account was eligible at 9 months for a review and asked if I wanted to try it.
He put me on hold for a couple minutes and came back and said as of today the card is unsecured and they gave me a $500 CLI as well.
It's a far cry from other peoples 10k + limits, but I am darned happy about it!
9 months and 7 days...thanks again folks!
02-17-2009 12:23 PM
tell me "no" once -shame on them. don't hang up and try a backdoor number -shame on you, lol. WTG Roxlie!!
02-17-2009 12:30 PM
02-17-2009 12:32 PM - edited 02-17-2009 12:33 PM
Hmm I forgot about a product change I was so excited about it being unsecured. But thinking now..I don't want to look to eager as they gave me this secured card with a BK from 2006 on my report. I want to show them that I've become more responsible first. Possibly I should wait like 6 months or so?
02-17-2009 01:15 PM
Hmm I forgot about a product change I was so excited about it being unsecured. But thinking now..I don't want to look to eager as they gave me this secured card with a BK from 2006 on my report. I want to show them that I've become more responsible first. Possibly I should wait like 6 months or so?Message Edited by Roxlie on 02-17-2009 12:33 PM
I did a product change the same day I called and asked for the card to be unsecured. This was last week. The CSR that unsecured the card said I should wait 6 months before asking for the change, but she sent me to that department anyway. I was given the World Points card.
I'd say give it a try.
02-17-2009 02:43 PM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.