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any BOA graduations lately?

Valued Contributor

any BOA graduations lately?

Next week will be a year since I've had my 300cl secured card. I'll be calling to request that it become unsecured. When I first got it I had 7 derogs now down to one but it falls off in about 6 mos so I'm done messing with it. I have 3 accounts that are a year old and one that is 6 mos.

I believe they pull tu so only one inquiry in the past year and will let less that 10% util report. Income is 50k. I'm thinking if I'm lucky I'll get my 300.00 back and they will give me a 1k limit
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 1 of 4
3 REPLIES
Regular Contributor

Re: any BOA graduations lately?

based on your current profile.....I think you're going to be. Approved for it !!! I wish you luck. I would make my first year with them in January 2013. 

Message 2 of 4
Established Contributor

Re: any BOA graduations lately?

In regards to graduration I dont see any issue with you getting your unsecured, but no idea on credit limit increase. My limit was 5500  when I requested my card to be unsecured in sept, and  they hp TU.  I have excessive inqs due to student loans, and some recent new cards, and a judgement, and collection that falls off nect year.  Also make sure you utilization is low before requesting.  



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 3 of 4
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Valued Contributor

Re: any BOA graduations lately?

Well I'm just reasonably expecting around 1k limit due to the fact that is my highest limit right now. I'll request that the 123 rewards be added and I know they will never waive the 39.00 annual fee. I'd just be happy to get my 300.00 back so I can use that for the holidays. Every bit helps
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 4 of 4