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Established Member
Posts: 17
Registered: ‎12-30-2007
0

CLI with Secured BoA Card

Has anyone received a CLI with a secured card?  When I signed online to my acct., there's a place to request a CLI.  I've paid the card in on time and in full each month.  Do you think it's possible for a CLI?  Thanks for your help!!
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: CLI with Secured BoA Card

I don't think its possible. Haven't seen any success stories here. I do know they will graduate you after a year or less and at that moment you can call and request a CLI and they will usually grant it.
Regular Contributor
Posts: 120
Registered: ‎04-19-2008
0

Re: CLI with Secured BoA Card

Interesting.  My BofA secured  card graduated last month and I STILL don't see the luv button when I log in.  I do know, however, that you cannot get a CLI until your account is converted or graduated to an unsecured account.  And even then it's not automatic.
Starting Scores: 12/14/14 FICO EQ: 579 EXP: 586 TU: 591
Current Scores: 12/29/15 FICO EQ: 643 EXP: 667 TU: 670
Goal: 750

Super Contributor
Posts: 6,028
Registered: ‎09-18-2007
0

Re: CLI with Secured BoA Card

What secured card did you have? Is it 99/500 or fully secured card? How many months did it take for the card to become unsecure?

diva0969 wrote:
Interesting.  My BofA secured  card graduated last month and I STILL don't see the luv button when I log in.  I do know, however, that you cannot get a CLI until your account is converted or graduated to an unsecured account.  And even then it's not automatic.



Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0

Re: CLI with Secured BoA Card

Like Concord, I have a 99/500. We always want input from others when the card graduates.
 


diva0969 wrote:
Interesting.  My BofA secured  card graduated last month and I STILL don't see the luv button when I log in.  I do know, however, that you cannot get a CLI until your account is converted or graduated to an unsecured account.  And even then it's not automatic.


The CLI link, at least on my ungraduated 99/500 is located in the "Services" tab after you click on the CC in your accounts page. I have a link that says "Request a credit limit increase". I never clicked it because CLIs aren't offered on secured products.
Established Contributor
Posts: 853
Registered: ‎03-21-2008
0

Re: CLI with Secured BoA Card

I think a CLI on a secured account, by definition, requires more deposit money....lol.
07/26/2007 TU-688
EQ-656
EX-649
Established Contributor
Posts: 697
Registered: ‎03-09-2008
0

Re: CLI with Secured BoA Card

Yuppers, MO' MONEY ! I mashed the luv button first day and it wasn't bashful about telling me that secured cards are not eligible for CLI.
/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\/\

"No good deed goes unpunished"




There is nothing more simple, nothing more complex than the relationship between Country Boy and Dog.
Regular Contributor
Posts: 120
Registered: ‎04-19-2008
0

Re: CLI with Secured BoA Card

I had the fully secured BOA platinum visa.
Starting Scores: 12/14/14 FICO EQ: 579 EXP: 586 TU: 591
Current Scores: 12/29/15 FICO EQ: 643 EXP: 667 TU: 670
Goal: 750

Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007
0

Re: CLI with Secured BoA Card

I've read a couple of posts from other forum members who stated adding money to their secured CC for a CLI also involved a hard pull. I have no idea why that would be the case though, nor do I remember who the lender was.
Here we go again...
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
0

Re: CLI with Secured BoA Card



FretlessMayhem wrote:
I've read a couple of posts from other forum members who stated adding money to their secured CC for a CLI also involved a hard pull. I have no idea why that would be the case though, nor do I remember who the lender was.


BoA softed me when I have added more money to mine. (Twice) I'm at the 9 month mark now and wanting to call them to see if I am getting close. Smiley Happy

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