Reply
Frequent Contributor
QAMngrGirl
Posts: 456
Registered: ‎11-28-2012

Bofa PC graduated Secured to 123?

My BofA Visa was originally opened 10/11 as a secured ($99.00 dep/500.00CL) and was reviewed/graduated to unsecured $1K CL & got my $99 dep back as of 10/2012. Has anyone successfully had this type of CC PC to the 123 Visa?

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Valued Contributor
rootpooty
Posts: 1,685
Registered: ‎10-28-2011

Re: Bofa PC graduated Secured to 123?

Me
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Contributor
bellrod44
Posts: 76
Registered: ‎12-05-2011

Re: Bofa PC graduated Secured to 123?

I actually had mine become a secured verison of the 1-2-3 rewards. Unfortunately, mine won't unsecure until next spring.

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Established Contributor
YahComb
Posts: 590
Registered: ‎03-10-2012

Re: Bofa PC graduated Secured to 123?

did you call them to unsecure your card? if so you could have done the PC right then and there. In fact, you could PC to the Cash Rewards while it was still secured(a lot of us did back in june when we found about it). So no, you should not have any issues doing the PC now.

 

The only issue is if your card still has the Annual fee, they will try to tell you it is unremovable even after you do a PC(though they may waive it once). Technically, i'm sure that is (supposed to be) true, but you CAN convince them to change it to 0.

EQ-728(03/31/14) TU-761(03/19/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 2.67yr AAOA: 21.8 mo
Frequent Contributor
QAMngrGirl
Posts: 456
Registered: ‎11-28-2012

Re: Bofa PC graduated Secured to 123?

Honestly I had no idea PCs were an option until I found this forum 2 months after it graduated :smileysad:

I am calling when I get home later this evening for a PC & to discuss the AF, wanted to check here first so I knew it was possible. Thanks all!

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


New Contributor
GABrown
Posts: 55
Registered: ‎10-23-2012

Re: Bofa PC graduated Secured to 123?

i called and added 123 cash rewards before i even received the card thanks to this forum...congrats as well!!!!

IN MY PURSE- BankAmericard Cash Rewards Platinum Plus Visa
IN THE GARDEN UNTIL 11/2013
TU-638
EXP-565
EQX-540
New Contributor
NiNoMArksLA
Posts: 108
Registered: ‎11-01-2012

Re: Bofa PC graduated Secured to 123?

I have a secured card and it will be 1 year in feb did u get a letter in the mail or they called you and was it a new card ?
Frequent Contributor
QAMngrGirl
Posts: 456
Registered: ‎11-28-2012

Re: Bofa PC graduated Secured to 123?

I received a letter in the mail letting me know that after reviewing my account/payment history my credit card was no longer secured and my CL is now $1K. No new card issued. The letter stated they would issue a refund check or I could call & have it deposited in to my savings or checking account (I bank w/BofA). Haven't called to PC to 123 yet.

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+


Frequent Contributor
QAMngrGirl
Posts: 456
Registered: ‎11-28-2012

Re: Bofa PC graduated Secured to 123?

Suceesfully PC'd to the 123 (or 321??) card last night through on online chat, waiting a few months to request a CLI but I am happy the PC was accomplished :smileyhappy:

Start: Nov'12 EQ 699/EX 685/TU 696 / Current: April''14 EQ 715/EX 709/TU 709 * Goal 750+



myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+