secured credit card question

[noochski]

Even though I already have a CC with them and am fully securing the CL? Would BofA still make an inquiry? Guess I should have asked these questions earlier since I requested a CL increase to $500.00 this morning. . . I'm not overly concerned about short term credit implications as the greater plan is buying my first home with a target date of early 2014. 

[Wolf3]

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@noochski wrote:

Even though I already have a CC with them and am fully securing the CL? Would BofA still make an inquiry? Guess I should have asked these questions earlier since I requested a CL increase to $500.00 this morning. . . I'm not overly concerned about short term credit implications as the greater plan is buying my first home with a target date of early 2014. 

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Good plan, bigger limit helps with the utilzation for better score.  Sometimes it helps get better CL on future unsecured cards.    Inquiries will small impact now and none in 2014.

[noochski]

Was granted a CLI, and it was a HP on my CR. Was also advised that the 12 month period will not reset and will be based on when the account was originally opened

[jordanmedical]

How much did you get? So the BoA card is partially secured like CapOne, interesting. I have a friend who go one for 500 with a 200 deposit.

[rootpooty]

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@jordanmedical wrote:

How much did you get? So the BoA card is partially secured like CapOne, interesting. I have a friend who go one for 500 with a 200 deposit.

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the op secured card is fully secured. the only downside is bofa will hp you to increase your limit using your own funds. thanks but no thanks

[jordanmedical]

HP to increase with you own money, rediculous.

I have a friend with partially secured one, do they no longer offer that one?

[rootpooty]

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@jordanmedical wrote:

HP to increase with you own money, rediculous.

I have a friend with partially secured one, do they no longer offer that one?

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they only offer it as a counter offer

[jordanmedical]

And I bet that's not guarenteed?