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When does boa secured 99/500

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oracles
Valued Contributor

Re: When does boa secured 99/500


@Anonymous wrote:
Does BOA prefer you to PIF monthly or carry a balance? My sister went unsecure about 6 months ago but is almost maxed out now. I told her to PIF then call BOA and ask for an increase. Is this wise? Is this what they want to see? She has no lates.

 

Hey Shnapple

 

This is a good plan. Have her PIF and then ask for a cli. BofA is very good with cli's.

 

I would also suggest she does a product change so she would have a better card. This will give her better advantages with lower apr's and cli's.

 

hope this helps and keep us updated

Message Edited by oracles on 01-31-2009 12:12 AM
Message 11 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

Great idea! Thanks!


@oracles wrote:

 

Hey Shnapple

 

This is a good plan. Have here PIF and then ask for a cli. BofA is very good with cli's.

 

I would also suggest she does a product change so she would have a better card. This will give her better advantages with lower apr's and cli's.

 

hope this helps and keep us updated


 

Message 12 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

Does anyone know what BOA is looking for when they decide to unsecure?
Message 13 of 28
oracles
Valued Contributor

Re: When does boa secured 99/500

They look for good history. Always pay on time.

 

Always try to PIF, if not try to pay more than the minimum.

 

Use it so they know you can handle credit.

Message 14 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

I've done that, so hopefully it's good enough.  Thanks!
Message 15 of 28
oracles
Valued Contributor

Re: When does boa secured 99/500

No problem, keep us updated
Message 16 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

Mine was actually at a year. I had perfect history so I wasn't being punished for anything. Not sure why it was 1 year if others had it at 9 months. Smiley Indifferent
Message 17 of 28
oracles
Valued Contributor

Re: When does boa secured 99/500

Did you call them upupup after 9 months.

 

I have read people getting it unsecured once they called.

 

YMMV

Message 18 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

Oh and YES do a product change whenever can. They wouldn't give me a cent for like 1-2 years after my card unsecured. The second I did a product change, they stopped treating me like gum stuck on the bottom of their shoes. The card must still indicate that it was/is a leftover remnant from a secured card and they continued to treat my account as such until I did a product change.
Message 19 of 28
Anonymous
Not applicable

Re: When does boa secured 99/500

Yep, I called them because they initially told me the same thing. But when I called they said they couldn't do it at that time and to call back at 12 months. I was pretty peeved, but didn't know about backdoor, etc. at that time.

@oracles wrote:

Did you call them upupup after 9 months.

 

I have read people getting it unsecured once they called.

 

YMMV


 

Message 20 of 28
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