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Regular Contributor
Posts: 120
Registered: ‎10-26-2007
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[ Edited ]
Today was a really good day, i joined nfc and then called to see if my 99/500 would be unsecured. The csr said that they could only unsecure if i allowed a hard pull and after some serious thought i said yes. After about 2 min she came back on and said congratulations your card is now unsecured and you also will recieve a 500.00 cli. I chickened out but seriously thought about apping for a nfcu card but my eq is only 663 and i have a lot of inquiries and my uti is a bit high right now.  Any idea when i can ask for a product change with BOA and what product should i ask for? Thanks for everything you guys are great.  EDIT okay bit the bullet and applied for n rewards card, guess what APPROVED FOR 10K. i cant seem to comprehend why such great things are happening to me today. if this is a dream, i dont want to wake up,but i know i cant be dreaming because im a hopeless insomniac. I this site crashes it will be my fault because im telling all of my friends, family, and stangers on the streed about my fico and the wonderful support and advice ive gotten from all of u. a little over a year ago i had 520 fico and couldnt get a credit card to save my life.   
Message Edited by HELPLESSINFICOLAND on 03-24-2009 05:33 PM

Starting Score: 540
Current Score: 660
Goal Score: 700

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Super Contributor
Posts: 6,211
Registered: ‎09-18-2007
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Congrats.... It is a great day in deed. You can ask BOA for product change any time after the card is unsecured. My suggestion, wait a month or two and then ask them for product change.
Established Contributor
Posts: 645
Registered: ‎10-24-2007
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Congratulations on your wonderful day. It's a great feeling to finally be seen as finacially responsible isn't it?
Established Member
Posts: 16
Registered: ‎01-21-2009
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Hi! Congratulations, can you share what rewards card you applied for and received 10k? Did they pull Equifax?



Valued Contributor
Posts: 2,292
Registered: ‎10-23-2007
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Its great to hear of your success, keep up the good work and you will reep even better rewards!

I'm not a kid anymore, I've done a lot of growing up! Smiley Happy
Starting Scores Sept '15- EQ-555, TU-542-EX-536
Current Scores as of June '16 - EQ-592, TU-635. EX-629
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Regular Contributor
Posts: 238
Registered: ‎02-16-2008


Helpless, I bet that 10k is HELPFULSmiley Wink  WTG



You now have 10k plus my2centsSmiley Wink

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