has BOA been unsecuring their Secured CC lately?

[Anonymous]

BOA secured card. Has anyone recently had their card unsecured? I have had the card for 8 months and never been late on my payments. Wondering if any one here has had their card unsecured recently. Thanks

[Red22]

I've had the secured CC also, since March and mine hasn't unsecured.  I'm debating on calling mid December to inquire about it!!

[jkfaria]

Mine "unsecured" in September after 12 months,,,,I called them...hard pull on TU (692 FICO).   I think for most people lately they will unsecure at 10 months if you call and IF your credit report has no recent derogs.  Received $500 auto-CLI upon graduation. 

[Anonymous]

Thanks for your responses. I will give it another 2 months to make 10 statements from BOA, then call them about unsecuring. No current derogs.

[modernsurrender]

I got mine in March of 08 and I called to have it unsecured in Feb of 09. 

I went from a fully secured $300 to an unsecured $800 CL.  

I had never been late with them, usually kept a clear balance by charging small things and paying them off right after, and my (terrible) scores had improved over the course of the year.  I'd probably recommend giving them a call around the 9 or 12 month mark depending on how hurried you are to get it unsecured.  I wasn't in a terrible rush, and I didn't really use the card too much, so I waited until closer to the 12 month mark to do it.

[Anonymous]

Thanks for responding mordedensurrender. Did yo initiate the unsecuring or BOA did it on its own?

[modernsurrender]

I called them and did it... I didn't really have any real reason, I was just itching to get my deposit back if I recall correctly and I felt like I deserved it.

[Anonymous]

thanks

[Anonymous]

Mine hits 9 months statement in two weeks. Nov 23 is the day i am going to call in just in-time for the holiday weekend!!

[Anonymous]

Good luck. My nine months is end of Dec. Plan on calling them then