Congrats on your 3 cards.
BofA,
- you can ask to add the 3-2-1, sometimes you need to contact them several times until you find someone that can do it. Check the Backdoor numbers thread for phone numbers you can try.
- usually you can unsecure with SP at around 7th statement
- you can add more money to get a higher limit, up to 10k. My DW added some to get a 5K at around the 5th month, the card graduated with that 5K limit. It will be a HP for that.
For the future:
- if you want to app for other cards, car loan or mortgage in the future, the best way to max your score is report all cards at $0 but one with a low balance (it could be $10), you only need to do this if you plan to app for something, no need to do it every month. Some people do it every month so they are sure they will never have debt.
- you can't get a Discover card with ITIN anymore, now they ask for SSN
- you can get Cap1 and Amex cards online using ITIN
- you can get a secured loan, you get better credit mix and a boost in FICO score
