06-13-2008 09:49 AM
psychic wrote:A lot is happening for you today, concorduser. Congratulations on your new unsecured card status!
06-13-2008 10:05 AM
Thanks psychic. I wish one day some day, I can join your 800 Club. I have long way to go from where I am now. You are my inspiration and motivation to reach 800 Club....
06-13-2008 11:03 AM - edited 06-13-2008 11:05 AM
06-13-2008 01:17 PM
lurknomore wrote:Congrats, concord!Although I had the fully secured card, I believe I can offer some insight. My fully secured card "graduated" Jan. 08 after 10 months, and I got my depost back a couple of weeks later. When the card "unsecured" they automatically raised my limit from $300 to $1000 so the "graduation" was a bittersweet victory because of the low limit.I waited about 2 weeks and hit the luv button but was denied. Not wanting to accept "no" for an answer, I called the credit department "backdoor" number to speak to a human. My rep was really nice and within a couple of minutes performed a product change for me (given me a card with Worldpoints) and raised my limit on the card to $5K. She also offered me a BoA Amex with a limit of $5K (which I readily accepted) so I ended the call with $10K total credit exposure with BoA after a few minutes on the phone.When my $5K Amex arrived a few weeks later, I called to ask for an increase to $15K at activation, which was easily granted. Since my original card "graduated" BoA has been good to work with. In fact, I think it's about time I give them another call.Congrats again and definitely give them a call soon for a CLI!ETA: I would ask for the product change well before the annual fee is due because it may take a few weeks to establish the new account and receive the new card.
Message Edited by lurknomore on 06-13-2008 11:05 AM
06-13-2008 01:24 PM
06-13-2008 01:26 PM
kball64 wrote:I just got the 99/500 card a few weeks ago and had no idea it came with an AF. I haven't seen anything on my stmt. When does it apply? After the 1st year?
06-13-2008 01:40 PM
06-13-2008 01:55 PM
Yes, the $29 AF is charged after the card graduates. Mine graduated a month ago, and today the AF has hit me 11$ over the limit. :-)
06-13-2008 02:04 PM