New plan to get in with BOA

[zerbherb]

So i wanna get in with BOA and take the hard hit for something i know i will get. So the secured card just to play it safe, how long it would to upgrade it to the full card if i just put on it everymonth adobe cc and netflix so its all together 40$ a month. and just turn on auto pay from wells fargo. Also another plus about BOA is apple pay, damn you discover for taking so long.

your opinions on this theory or should i just garden.

[baller4life]

As early as 5,6 months you can be upgraded to unsecured if requested and will cost you a hp. If you want to be auto upgraded no hp, 9-12 months. 

[zerbherb]

is 40 $ enough a month to charge on it or should i add on spotify to make it a even 50$?

[baller4life]

BOA likes to see usage. I personally put everything I could on it and pif every month.

[Anonymous]

It usually takes at least a year for it to graduate to unsecured and for you to get your deposit back. I've heard that SOMETIMES they can automatically graduate your card a little early but it seems very rare. Some have requested an early graduation but it takes a hard inquiry at the time of the request to do so and it doesn't always seem to work. Some have even reported it taking longer than the year but it seems like if you pay in full and on time each month, you should be ok.

I've had mine since August but I'm going to be patient and let them graduate it when they choose to. I don't want more inquiries than absoluetly necessary.

[cottoncrown]

Unless you have a non-existent credit report or negatives on a report with no current credit cards, don't get a secured card. You will likely qualify without going the secured route

[zerbherb]

No pre approval, but they recommend the boa cash awards with a 100$ credit should i go for it.

[Anonymous]

Out of curiosity, can you do a secured Better Balance Rewards?

[zerbherb]

Yes if you qualify and you need to ask them.