topic Re: BOFA Class Of 09 Graduate's in Credit Cards

BOFA Class Of 09 Graduate's

Anonymous — Sat, 02 May 2009 17:49:28 GMT

How long did it take BOFA to mail back your deposit after you card was unsecured?

Re: BOFA Class Of 09 Graduate's

Anonymous — Sat, 02 May 2009 20:03:45 GMT

about a week.

Re: BOFA Class Of 09 Graduate's

Anonymous — Sat, 02 May 2009 20:32:59 GMT

Hahaha credit card graduation, interesting..

Well I will graduate on Nov 1. 2009. It will be 9-10 months for me.

Re: BOFA Class Of 09 Graduate's

Anonymous — Sat, 02 May 2009 20:59:08 GMT

@Anonymous wrote:
about a week.

Thx..

Re: BOFA Class Of 09 Graduate's

Smarter — Sat, 02 May 2009 22:22:30 GMT

Mine came 6 days afte the card unsecured.

Re: BOFA Class Of 09 Graduate's

Red1Blue — Sat, 02 May 2009 22:58:26 GMT

I think it was about a week for me also.

Re: BOFA Class Of 09 Graduate's

Anonymous — Sun, 03 May 2009 01:27:19 GMT

To answer your first question, it took about a week to get my check.

Also, I saw your other threads and your posts and wanted to relay my experiences with my secured card from BofA.

I had a 99/500 secured card and it graduated in March 09. I had a 630 fako score when I first got it, no tradelines, but some collections from parking tickets, 6 in all I think. When my card graduated, I had 660+ across the board fico's (EX was 662 when I could last get it), and 4 of my collections gone. I had also added 3 credit cards, all same age, and util around 8% when card graduated. I have a checking and savings with BofA, I don't know if that helped. Also, perfect history and full usage to limit with all cards, all paid in full before statement cuts.

In March, 9 months in, I called and card was scheduled to unsecure according to csr, so they unsecured it immediately with a 500 cli to 1000. Same call, I tried to do a product change, and was told I counldn't w/o a new application. Called again, about 3 times finally got one that said I couldn't PC to Accelerated rewards Amex or World Points with current credit lines so he tried to request a increase for me to 5000 for Amex then 2000 for WP, no inquiry. I was denied, so about a couple more calls, I got another analyst and he was able to do a PC for me in about 3 minutes to the Amex, with current cl, no clue. I guess you just have to talk to the right person. Each time I called I had to make sure it wasn't a new app and there was no new hard inquiry. All numbers were from backdoor numbers thread, called them all so I don't remember which one did it for me.

I got the Amex about a month later, but I got to accumilate WPs immediately, no AF and 16 something APR. I didn't get the initial 12 months 0 apr offer, but was so happy with the card that I didn't want to push it anymore. I will wait till June till I request another cli, but it's hard to wait.

I don't know if all your answers were already answered, but I hope this helps to let you know that they still unsecure at 9 months. Also it's possible to do a PC from secured (to Platinum Plus) to Amex or WP's regardless of cl or card type with BofA.

Re: BOFA Class Of 09 Graduate's

Anonymous — Sun, 03 May 2009 11:33:51 GMT

@Anonymous wrote:
To answer your first question, it took about a week to get my check.

Also, I saw your other threads and your posts and wanted to relay my experiences with my secured card from BofA.

I had a 99/500 secured card and it graduated in March 09. I had a 630 fako score when I first got it, no tradelines, but some collections from parking tickets, 6 in all I think. When my card graduated, I had 660+ across the board fico's (EX was 662 when I could last get it), and 4 of my collections gone. I had also added 3 credit cards, all same age, and util around 8% when card graduated. I have a checking and savings with BofA, I don't know if that helped. Also, perfect history and full usage to limit with all cards, all paid in full before statement cuts.

In March, 9 months in, I called and card was scheduled to unsecure according to csr, so they unsecured it immediately with a 500 cli to 1000. Same call, I tried to do a product change, and was told I counldn't w/o a new application. Called again, about 3 times finally got one that said I couldn't PC to Accelerated rewards Amex or World Points with current credit lines so he tried to request a increase for me to 5000 for Amex then 2000 for WP, no inquiry. I was denied, so about a couple more calls, I got another analyst and he was able to do a PC for me in about 3 minutes to the Amex, with current cl, no clue. I guess you just have to talk to the right person. Each time I called I had to make sure it wasn't a new app and there was no new hard inquiry. All numbers were from backdoor numbers thread, called them all so I don't remember which one did it for me.

I got the Amex about a month later, but I got to accumilate WPs immediately, no AF and 16 something APR. I didn't get the initial 12 months 0 apr offer, but was so happy with the card that I didn't want to push it anymore. I will wait till June till I request another cli, but it's hard to wait.

I don't know if all your answers were already answered, but I hope this helps to let you know that they still unsecure at 9 months. Also it's possible to do a PC from secured (to Platinum Plus) to Amex or WP's regardless of cl or card type with BofA.

Thx for this informative information i'm gonna see how my current PC works out' If it doesnt i will dust myself off an try again.