Credit Card Center Advertiser Disclosure

New Contributor
Posts: 69
Registered: ‎07-27-2008
0 Kudos

How long for Bofa Secure to graduate to unsecured?

I've been hearing a few oppinions. Some say it's 9 months after you opened the account, others say 9 statements..


Also, I have another FIA card. Once I graduate, can I combine these two cards, so that the Unsecured card is then merged into the FIA card and retain history etc?

Regular Contributor
Posts: 190
Registered: ‎08-14-2008
0 Kudos

Re: How long for Bofa Secure to graduate to unsecured?

I just got mines unsecured after 9 months upon recieving the card.
Posts: 93
Registered: ‎03-14-2009
0 Kudos

Re: How long for Bofa Secure to graduate to unsecured?

I doubt they will let you combine those cards if one is a branded boa card and the other a branded fia card. They  have a policy where they aren't going to want to break what they call transparency.  In reality you know fia card services is boa but they won't tell you that unless you state you know this is the case and break transparency.  I used to work in their customer marketing "balance transfer" sales department and we were aware of fia cards because we could see the additional credit but couldn't combine them like we could boa cards.  You'd probably want to speak with someone in the credit department.
Valued Member
Posts: 42
Registered: ‎11-13-2008
0 Kudos

Re: How long for Bofa Secure to graduate to unsecured?

Mine got unsecured last week after exactly 11 months.




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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.