Is it worth it???

[TwinGirls19]

Called boa to unsecure my card, they told me it would be a hard pull. Current scores are 727 TU, 708 EQ is it worth it to do a hard pull, really don't want to come below 700 again further more I already have a couple of inquiries.

[NJTurnpike]

Depends on what you're trying to accomplish and your current credit profile.

Personally, I would leave it secured, and let it age and let your scores grow with that age until you decide to apply for unsecured cards. I wouldn't waste a HP on unsecuring a card.

[waihao0405]

ur credit score is good enough to get a credit card... so i think it is worth it or just apply for other credit card?

[09Lexie]

If they unsecure it will they also do a CLI?

[bluedog1]

Doesn't BofA automatically unsecure after a certain amount of time? If so I would wait for that to happen. I've also read you can add on 123 rewards to the secured card. Not sure if you've done that already.

[TwinGirls19]

Yea turnpike, I think I am just going to let it age. I got the itch but going to try and resist and hopefully get above 750 in a couple of months by paying on time. As far as the cli I don't know if that was gonna be included in the hard pull

[09Lexie]

IMO, if its going to graduate I would wait.

[dodgerslv]

Just let it age and usually after a year, if you have been good with them and no baddies have recently affected your credit report you are most likely going to graduate to an unsecure card after reaching one year. Mine is set to graduate the first week of May (according to the CSR i spoke to). I almost did the same to take a HP to see if it unsecured but knowing that my scores had gotten better since i opened the card i went ahead and applied for the Better Balance MC and got approved. If you think your scores and reports have improved greatly since opening that card, try to apply for an unsecured card with them or another bank.

[a3quit4s]

Let it auto age into unsecured. Unless you really need your deposit back

[distantarray]

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@a3quit4s wrote:

Let it auto age into unsecured. Unless you really need your deposit back

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^ this unless you need your money NOW!