Established Contributor
Posts: 579
Registered: ‎07-07-2007
Re: BOA Secured Visa - change to Unsecured
I haven't sent any check for a CLI.
 
I only call the 800#, request it and within 1 week it is transferred from my BOA checking to my secured card.
 
You might want to try this.
 
How was your experience with BOA mortgage? Did you have any lates/collection accounts on your CR when you met with them for your mortgage?
 
I am worried about this but in the end would like to go with BOA.
 
 
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Established Contributor
Posts: 579
Registered: ‎07-07-2007
Re: BOA Secured Visa - change to Unsecured
I'll increase it again next week.
 
Just paid down my cc's to 1.9% utl so I need to continue my mission.
 
I appreciate your advice.
 
 
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Valued Contributor
Posts: 1,084
Registered: ‎06-24-2007
Re: BOA Secured Visa - change to Unsecured
I have great experience with BOA. I did not even look at any other banks for mortgage. I applied for mortgage loan closed it in 2 weeks. I have paid collections on TU and EXP no collections on EQ.
They dont care as long as they are paid. I cant wait till they report it to CRA's. It will increase my score a lot in 6 months.
 
I called the 800 number few months ago to increase the CLI on my BOA secured card. They told me that I have to send a check for CLI amount.
 
I will try again.
 
Thanks
 
 
 
 
Established Contributor
Posts: 579
Registered: ‎07-07-2007
Re: BOA Secured Visa - change to Unsecured
I can't believe it. They have been pulling my CLI's from my checking account for the last 4 months.
 
You might want to talk to a mgr.
 
If I may ask what were your FICO scores when you applied?
 
I am paying off my current collections with PFD's so hope I am in better shape to sit down with them in the spring.
 
 
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Valued Contributor
Posts: 1,084
Registered: ‎06-24-2007
Re: BOA Secured Visa - change to Unsecured
What number did you call?
 
 Thanks
 
Valued Contributor
Posts: 1,084
Registered: ‎06-24-2007
Re: BOA Secured Visa - change to Unsecured
My middle fico score was around 620.
Established Contributor
Posts: 579
Registered: ‎07-07-2007
Re: BOA Secured Visa - change to Unsecured
800 732 9194 and I ask for the Secured Card Dept.
 
 
(04/21/08): TU683, EQ670(5/10), EX701(5/4)
(11/24/07): TU681, EQ671, EX684
(07/07/07): TU578, EQ572, EX583
Valued Contributor
Posts: 1,084
Registered: ‎06-24-2007
Re: BOA Secured Visa - change to Unsecured
Thanks. I will call them asap.
 
 
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
Re: BOA Secured Visa - change to Unsecured
I thought BOA reviews for unsecured card after 3 months. I accepted a 99/500 offer from them couple of months ago. I was going to call them next month and ask them if they would make it unsecured. Any ideas any one?