Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007

Re: Should I switch secured CC or get a secound one

Hi Paying, I am going to speak with you about this in the other forum.


I will answer your hippa question there.

Frequent Contributor
Posts: 353
Registered: ‎01-29-2009

Re: Should I switch secured CC or get a secound one

[ Edited ]

oracles wrote:

Hi Paying


No, people here have been able to do a product change the same day their card was unsecured and they still did not have stellar credit. With the worldpoints card, people have been able to do a PC without an inq, however for the BofA amex card, they will do a hard due to the card having a 5k minimum limit.


I think you will be fine with the PC to the worldpoints


Hope this helps and keep us updated



Just got off the phone with BoA. They are sending me the Worldpoints card, and once it gets here in 2-3 weeks, I can activate it and request a CLI!!!!


Woohoo, thanks a bunch for the advice guys!


Those backdoor numbers kick ass!

Message Edited by PayingTheBills on 02-18-2009 09:42 AM

Starting Score: 540 EQ 517 TU on 11/17/08
Current Score: 668 EQ 726 TU
Goal Score: 760 EQ 760 TU

My Credit Repair Journal
Valued Contributor
Posts: 1,699
Registered: ‎08-18-2007

Re: Should I switch secured CC or get a secound one

Great job Paying and congrats


Keep us updated on how much of an increase you received

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