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Congrats on getting approved! I got my bank of america secured 123 rewards a couple of months ago. Its kind of a pain how they do it but they will send you out your regular not rewards card first no matter when you call. I think I called like 2 days after i figured out that i was approved and it still took atleast three weeks maybe more to get the rewards card. I also thought how they approve you is the craziest thing they did the same thing to me. When i applied it said they cant make a decision right away and it made me pretty upset and want to apply for a different secured card. But I stopped myself and checked my bank account first thing the next day and they took the money out. Also please note secured cli are a hard pull which really stinks but its a great card otherwise.
@justrock
I literally had it done online. I applied yesterday. Got the 7-10 notice message. Checked my account this morning. They had deducted the amount.
I was online and spoke with specialist via chat. Told them, I inquired at a branch and was told by employee that I should immediately convert my secured card to 123 Rewards. She (online specialist) said I actually can help you with the converstion. She asked me a few questions and submitted the conversion. Took MAYBE 5 minutes.
@JamesKnox wrote:I am so excited! I woke up this morning and logged into my Bank of America account. The usual 2 accounts that I have with them were listed (2 checking accounts) BUT to my surprise, there was a 3rd line! My new Bank of America Secured Card that I applied for yesterday! :-) I was nervous because the message I received right after applying was that whole "we cant make an instant decision right now..."
Anywho! I am VERY excited and I wanted to ask the myFICO family something. I know everyone says SWITCH TO THE CASH REWARDS CARD! My question is....WHEN? Do I call now before I even have the card or do I wait until I receive the first card? Please let me know as soon as possible.
Just to let you all know...My Fico score with equifax is only 502! And I still got approved! I was soooo nervous when applying. I wonder if the fact that I have 2 open accounts with them makes a difference? Anyway...Im so excited! :-)
Congarts
I just want to say thank you to the OP, I tried what you did, and I got my card converted too! So thank you very, VERY much! =)