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04-17-2009 11:50 PM
04-18-2009 05:29 AM
Let me understand.
You have a BoA "secured card" which is active/open, AND you can charge on it, and you pay the bill, BUT you do not have a deposit?
Then this is not a secured card, it is unsecured. A deposit is the very definition of secured. And if you don't have a deposit, then what is it going to "graduate" to? Ordinarilly to graduate means going from a deposit to no deposit. You don't have a deposit, thus nothing to graduate.
As for your current application, 7-10 business days can be normal (which would be 2 calendar weeks).
04-18-2009 07:20 PM
04-19-2009 08:41 PM
It actually is a secured card that didnt require a deposit. I thought it was unsecured until I requested a credit limit increase. But I will give them a call next wednesday because it shouldnt take longer than 3 weeks
I hate to have to rain on the parade.......BUT ..ahhhhhhhh Bank Of Scamerica is being very stingy with credit limt increases. They are giving decreases at this time. So i wish you luck.
04-20-2009 08:52 PM
The secured card application process at BofA is very slow! Be patient. If it is going to happen it will,,, eventually.
Wait 'til they approve you and you send them a check to set up the account. I heard that it can take them over a month to deposit it and get you your card.