topic BofA unsecured! in Credit Cards

BofA unsecured!

Roxlie — Tue, 17 Feb 2009 20:20:26 GMT

Just want to say thanks for all the success stories people have posted about calling BofA to have their cards unsecured. I opened it on May 10, 2008 with $300. I was looking at the account today and realized it was just over 9 months, so I called the number on the card and asked about unsecuring.

The woman told me to wait until 12 months and call back. So I called the backdoor and asked again and the guy said my account was eligible at 9 months for a review and asked if I wanted to try it.

He put me on hold for a couple minutes and came back and said as of today the card is unsecured and they gave me a $500 CLI as well.

It's a far cry from other peoples 10k + limits, but I am darned happy about it!

9 months and 7 days...thanks again folks!

Re: BofA unsecured!

score_building — Tue, 17 Feb 2009 20:23:13 GMT

Super congrats!!

tell me "no" once -shame on them. don't hang up and try a backdoor number -shame on you, lol. WTG Roxlie!!

Re: BofA unsecured!

barbaralee — Tue, 17 Feb 2009 20:27:01 GMT

Congratulations, that's great! I would be over the moon as well.

Re: BofA unsecured!

Anonymous — Tue, 17 Feb 2009 20:30:01 GMT

Congratsmine unsecured last week also gave me 500 increase and i also did a product change to the worldpoints for the rewards and better cli.

Re: BofA unsecured!

Roxlie — Tue, 17 Feb 2009 20:33:11 GMT

Hmm I forgot about a product change I was so excited about it being unsecured. But thinking now..I don't want to look to eager as they gave me this secured card with a BK from 2006 on my report. I want to show them that I've become more responsible first. Possibly I should wait like 6 months or so?

Message Edited by Roxlie on 02-17-2009 12:33 PM

Re: BofA unsecured!

Anonymous — Tue, 17 Feb 2009 21:15:11 GMT

@Roxlie wrote:
Hmm I forgot about a product change I was so excited about it being unsecured. But thinking now..I don't want to look to eager as they gave me this secured card with a BK from 2006 on my report. I want to show them that I've become more responsible first. Possibly I should wait like 6 months or so?
Message Edited by Roxlie on 02-17-2009 12:33 PM

I did a product change the same day I called and asked for the card to be unsecured. This was last week. The CSR that unsecured the card said I should wait 6 months before asking for the change, but she sent me to that department anyway. I was given the World Points card.

I'd say give it a try.

Re: BofA unsecured!

oracles — Tue, 17 Feb 2009 22:43:16 GMT

Great job Roxlie

Congrats

I would call them now and try to do a product change to the worldpoints card.

you will have a better card and regular cli's.

hope this helps

Re: BofA unsecured!

Red1Blue — Tue, 17 Feb 2009 22:59:36 GMT

Congractulations....

Re: BofA unsecured!

MsKiwi — Tue, 17 Feb 2009 23:13:11 GMT

Sweet! Congratulations!

Re: BofA unsecured!

kay82 — Wed, 18 Feb 2009 03:04:34 GMT

Congrats Rox.....love to read success stories !!

Re: BofA unsecured!

Anonymous — Wed, 18 Feb 2009 03:23:39 GMT

Congratulations!

Welcome to the B of A Graduating Class of 2009

Re: BofA unsecured!

Roxlie — Wed, 18 Feb 2009 16:19:47 GMT

Well I went ahead and tried for the product change to a Worldpoints Platinum Plus. She approved it and asked if I wanted to request a CLI. After unsecuring yesterday with a $500 CLI and today changing to Worldpoints, I didn't want to push my luck. I'll do a CLI request in a few months.

Re: BofA unsecured!

Anonymous — Wed, 18 Feb 2009 16:49:19 GMT

Mine must went unsecured last month, the guy said call back in 6 months for a CLI...

just now called to see if I could do a product change to World points and at first she said I had to re-apply, but then went on hold and checked and said she could immediately change me to a Worldpoints VISA. I didn't question for a CLI, but will when I get the card in the mail!

This is great

Re: BofA unsecured!

score_building — Wed, 18 Feb 2009 17:00:19 GMT

Roxlie wrote:
Well I went ahead and tried for the product change to a Worldpoints Platinum Plus. She approved it and asked if I wanted to request a CLI. After unsecuring yesterday with a $500 CLI and today changing to Worldpoints, I didn't want to push my luck. I'll do a CLI request in a few months.

i understand your concern but i honestly doubt by simply stating, 'sure, if one is available on my acct. currently, i'd appreciate it. otherwise, i'm happy to wait' could hurt you in any meaningful way. and it could get you a nice surprise increase in available cl boosting your score.

it would be an extremely low risk exploratory request. good for you for showing restraint in any case. congrats, this one should be growing with you nicely in any event!