https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461771#M151640 Thanks again !! Wed, 18 Mar 2009 19:32:07 GMT Anonymous 2009-03-18T19:32:07Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461744#M151624 I know this may sound stupid but does BoA pull a hard inq. for the secured card ?? Wed, 18 Mar 2009 19:12:21 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461744#M151624 Anonymous 2009-03-18T19:12:21Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461750#M151627 Yes, they will pull a hard inquiry for a secured card. I had a 99/500 before they graduated and that product resulted in two hard inquiries (one for the unsecured app and one for the 99/500). Wed, 18 Mar 2009 19:14:22 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461750#M151627 llecs 2009-03-18T19:14:22Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461754#M151628 Thanks llecs, Is it even worth it , the inq. and the cash for the account ? Wed, 18 Mar 2009 19:21:04 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461754#M151628 Anonymous 2009-03-18T19:21:04Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461764#M151635 IMO, yes! Most definitely. Unless your scores are super high, the inquiry damage will likely be nil. You also get all of your deposit back after 9-12 months of great payment history. After they unsecured the card, then you are eligible for CLIs, of which they tend to be generous. Wed, 18 Mar 2009 19:28:42 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461764#M151635 llecs 2009-03-18T19:28:42Z https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461771#M151640 Thanks again !! Wed, 18 Mar 2009 19:32:07 GMT https://ficoforums.myfico.com/t5/Credit-Cards/BoA-secured-card-question/m-p/461771#M151640 Anonymous 2009-03-18T19:32:07Z