cancel
Showing results for 
Search instead for 
Did you mean: 

BoA 99/500 Graduation!

tag
s73guy
Contributor

BoA 99/500 Graduation!

I just wanted to say thank you to everyone on the forum.  My 99/500 card just hit the 9 month mark, and I called to request early graduation.  BAM - Approved!  The analyst said that he liked the way I handled my card, and how I have been handling my credit while rebuilding.  Baller4life thank you for your advice throughout this forum on the 99/500 card.  I followed your advice and it served me well.  Not only was I graduated early, my CL was raised to $2,000 without asking for a CLI.  I also know that within the next 30 days I need to request a CLI to use the same HP, and ask for the moon!  This forum is awesome!  

Capital One Venture: $30,000; Capital One Quicksilver: $10,000; PNC CashBuilder: $15,000; Chase Marriott Rewards: $10,000; Citi Double Cash: $9,400; Barclay Arrival World MasterCard: $11,150; USF FCU Rewards Visa Signature: $10,500; Suncoast CU Visa: $3,000; Discover It: $3,500; Nordstrom: $2,000; Kohl's: $2,500; Target: $600; Lowes: $6,900; Sams Club: $3,850; Evine: $3,000; HSN: $1,800; Paypal Credit: $4,350; Amazon Store: $5,400 --- EX: 726; EQ: 726; TU: 741

Message 1 of 19
18 REPLIES 18
chalupaman
Super Contributor

Re: BoA 99/500 Graduation!

Congrats on that awesome CLI!

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 19
Anonymous
Not applicable

Re: BoA 99/500 Graduation!

Congrats on the early graduation and CLI!

Message 3 of 19
Anomalous
Senior Contributor

Re: BoA 99/500 Graduation!

Congratulations on getting unsecured!

Keep both your credit and your body in top shape!

Message 4 of 19
baller4life
Super Contributor

Re: BoA 99/500 Graduation!


@s73guy wrote:

I just wanted to say thank you to everyone on the forum.  My 99/500 card just hit the 9 month mark, and I called to request early graduation.  BAM - Approved!  The analyst said that he liked the way I handled my card, and how I have been handling my credit while rebuilding.  Baller4life thank you for your advice throughout this forum on the 99/500 card.  I followed your advice and it served me well.  Not only was I graduated early, my CL was raised to $2,000 without asking for a CLI.  I also know that within the next 30 days I need to request a CLI to use the same HP, and ask for the moon!  This forum is awesome!  


Message 5 of 19
Anonymous
Not applicable

Re: BoA 99/500 Graduation!

Congrats..

Message 6 of 19
guydiver
Established Contributor

Re: BoA 99/500 Graduation!

Congrats to you!  Nice job. 

Message 7 of 19
B335is
Moderator Emeritus

Re: BoA 99/500 Graduation!

Congrats!  This is arguably the best secured card for growth. Good luck on the next CLI. 

Message 8 of 19
Imperfectfuture
Super Contributor

Re: BoA 99/500 Graduation!

Congrats. Nice graduation.
Signature needs updating
Message 9 of 19
dk2003
Regular Contributor

Re: BoA 99/500 Graduation!


@s73guy wrote:

I just wanted to say thank you to everyone on the forum.  My 99/500 card just hit the 9 month mark, and I called to request early graduation.  BAM - Approved!  The analyst said that he liked the way I handled my card, and how I have been handling my credit while rebuilding.  Baller4life thank you for your advice throughout this forum on the 99/500 card.  I followed your advice and it served me well.  Not only was I graduated early, my CL was raised to $2,000 without asking for a CLI.  I also know that within the next 30 days I need to request a CLI to use the same HP, and ask for the moon!  This forum is awesome!  


I'm so glad to read this. I recently applied and got the 99/500 as a counter but it took me too long to respond so I called and have to wait for the letter in the mail. I was rather unsure about this considering it is such  low amount and i have other cards with much higher limits than this. After a lot of research "and stuff", I've decided to go with this card and make it my every day card and PIF every month for about 6 months or so then request the graduation. The analyst I spoke with said that the request can be made as little as 5 months in.

 

Also... I read Baller4lifes post and my my my, I need his tenacity

Message 10 of 19
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.