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Valued Contributor
bunnyrabbit
Posts: 1,413
Registered: ‎01-20-2008
0

Re: Bofa unsecured my card & CLI from 500 to 7500

That's so wonderful news!   Congratulations vish!!

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It's very tough with small income ~ The Rewards are big little helper to me.
Established Member
Joelstradamus
Posts: 16
Registered: ‎02-09-2010
0

Re: Bofa unsecured my card & CLI from 500 to 7500

How were you able to get an answer so quick? I called them last week to try to get mine unsecured and they told me that it would take 10-15 business days and I'd recieve an answer by mail. I've never missed a payment and all of my FICO scores are now between 693-744. The 693 being my EQ score I got from here. I payed off my card and all of my other bills the first of this month. Just hope this isn't a bad omen :smileysad:

Established Member
CreditAngel
Posts: 22
Registered: ‎03-11-2009
0

Re: Bofa unsecured my card & CLI from 500 to 7500

Joelstradamus - I was told the same time but, because of this forum I kept  calling back (in the same week) until I received a different response. I was unsecured with a $3000 card NO cli at all!!  Called back the next day asked for a cli and after 5-6 minute hold......went to $5000!!!!
Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Bofa unsecured my card & CLI from 500 to 7500

 


Joelstradamus wrote:

How were you able to get an answer so quick? I called them last week to try to get mine unsecured and they told me that it would take 10-15 business days and I'd recieve an answer by mail. I've never missed a payment and all of my FICO scores are now between 693-744. The 693 being my EQ score I got from here. I payed off my card and all of my other bills the first of this month. Just hope this isn't a bad omen :smileysad:


When I called BofA the last time, they told me it was too early to unsecure and then I asked the guy I was talking to if I call later, will it be a instant decision and he told me that it depends on who you reach (luck by chance). Some of the people on the secured credit division phone number were trained and some were not. If you happened to hit someone who is not trained, you may get this 10 days or so answer.

 

 

Many people have got this 10 days or so answer earlier and many others have been able to get it unsecured over phone also.

 

As for CLI, I was surprised myself, I did not expect 7500 CL

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Regular Contributor
jj10939
Posts: 112
Registered: ‎03-09-2009
0

Re: Bofa unsecured my card & CLI from 500 to 7500

OP: What is your annual income that you used if you don't mind sharing?

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Bofa unsecured my card & CLI from 500 to 7500

My annual income is 85000. and my monthly rent payment is 771. No other obligations like auto loan etc.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
Joelstradamus
Posts: 16
Registered: ‎02-09-2010
0

Re: Bofa unsecured my card & CLI from 500 to 7500

Ahh okay. It's no biggie that I have to wait. I was just expecting to get an answer during that call. I don't see any reason for them to decline me. I would think I've met all the criteria in order to get unsecured. I called back this past Friday and they told me that it hasn't been reviewed yet. I was mainly hoping that I could get it unsecured before the end of the month so that it would be reported in March.

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Bofa unsecured my card & CLI from 500 to 7500

Additional info: It is already showing on my CR with a CL of 7500 (updated the old account with new details).

 

Regarding CRA pull, I have not seen any HP on any of my CRs yet. At times, freecreditreport takes time before they show me an alert for the inquiries, I will update if I see an inquiry later.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Established Member
Joelstradamus
Posts: 16
Registered: ‎02-09-2010
0

Re: Bofa unsecured my card & CLI from 500 to 7500

I checked my BOA accounts online today and my CL has went from 300 to 500 so I'm assuming I got approved. I do wish that the CL increase would have been in the 1000-1500 range. Any advice on how long I should wait before I ask for an increase?

Valued Contributor
vish1
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Bofa unsecured my card & CLI from 500 to 7500

Strangely enough, I have not seen a HP alert yet. I requested unsecure of friday and its tuesday. I hope they did not do a HP at all.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)

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