Credit Card Center Advertiser Disclosure†
11-14-2012 05:16 PM
I don't know of Bank of America ever publicized this card. I applied through a personal banker. I had no idea at the time it was such a good deal.
11-14-2012 06:53 PM
I was approval for BOA 10k CL(secured card) hopefully I can change to unsecured credit card after 1 year .. I have money. But couple year ago I don't know what is credit. I mess my credit just because 4k credit card.i live in USA for couple months then go back my country for couple months and forgot about credit card bill.When I remember it, too late it charge off. I called them asked for remove charge off, they told me NO,after that I went back my country again, when I come back USA I saw collection. Oh well just left it. I think well I got money so whateh when I start my business,gold land lord he won't let me lease the space because my credit is bad. I try to call them asked them if I can pay double or triple Just for remove it out my credit report, thay said NO.who say money is power is stupid. I got 5m in my bank. I showed for land lore he still said NO.sorry my English is not good
11-14-2012 08:08 PM - edited 11-14-2012 08:08 PM
Lol at the 50k+ credit lines. Give me 40k for a year and I can show you a better way to build your credit. After 1 year I wil return your 40k. Win-win.
+1 for BofA Bankamericard Travel Rewards secured card being the best of its kind. The upper limit for the credit line is 10k. The card is reported as a secured card, which is not as valuable as an unsecured card with the same credit limit from a prime lender when you apply for a card and get your application manually reviewed.
That's news to me, I didn't know that BOFA had their Travel Rewards available on their secured card? I had only heard of the 1-2-3. You're absolutely right though about it's not being publicized, not sure why the 1-2-3 rewards (or even better the Travel ones if that works for you) make it the best secured product around.
Their website last I checked actually says something like $4999, but I recently had a 5K secured card through them (post their listed limit on their website) so I know it's not entirely accurate.
@bahbahd: the only secured card I know that will go up to 50K is the SDFCU (State Department) and actually I think it tops out at 100K; comes with a EMV chip too which is the only secured card I'm aware of which does that if you travel in Europe at all. I looked into it when there was a good chance of my being sent to the UK but while the project got killed, it did look like a good card. +1 to Crashem for that information originally.
11-14-2012 08:28 PM
11-14-2012 08:34 PM
Oops, I wanted to say 'Cash Rewards'. Sorry. I don't know if their Travel Rewards card also a secured version. Never seen and never asked.
11-15-2012 08:18 AM
I have a USAA AmEx secured card and it doesn't report as secured. Looks just like any other credit card when you review my credit reports.
11-15-2012 08:51 AM
USAA you have to have family member of military to joint these member
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.
* 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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.