We called in to see if BofA would graduate my DH's Cash Rewards secured card today. It was opened in 10/2021. Since opening the card, his credit has improved tremendously. His TU file has become completely clean, but Experian is still showing some negatives. Anyway, we opened it originally with a $300 deposit and have been using it for Costco and gas purchases and paying in full. When we called today, she said she was putting in a manual graduation request. It came back instantly approved! We checked the account online afterwards and they automatically increased the limit to $600 as well, which was an excellent surprise. I beleive his TU score is somewhere around 699 right now. They did not do a hard pull for the graduation request, so this was an all around excellent experience with them.
How nice! A graduation AND a CLI! Can't ask for more than that. Great job on getting this done! 
@coreyb80 wrote:Congrats on the grad and the CLI! Sounds like we opened our cards around the same time. I called in today, but realized it's been 5 statements, but not technically 5 months yet so maybe next week or statment I'll try again. Keep up the great work!!
Yeah, it has been 5 statements and 5 months for this card, so I would wait until then if you thi nk there's a good chance it will graduate. It was a soft pull for us, so I don't see any harm in asking.
Congrats on DH's Secured card graduation!
So did they return your security deposit apart from the CLI?
Congratulations!!
@JR_TX wrote:Congrats on DH's Secured card graduation!
So did they return your security deposit apart from the CLI?
Yes, they returned the original $300 and gave him a $300 CLI on top of that.
