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@TheR105 wrote:
Forgot to ask if they will pull my credit again if so no for sure.
IME (x3), they will pull again for the secured approval.
I had a BOA secured cc with a large amount but it never graduated and I had it over a year. They denied me for a regular cc so I decided to close my secured and apply elsewhere. I think it was 13-14 months old. As others have stated, it's a HP to attempt to secure to a regular cc.
@clocktick wrote:I had a BOA secured cc with a large amount but it never graduated and I had it over a year. They denied me for a regular cc so I decided to close my secured and apply elsewhere. I think it was 13-14 months old. As others have stated, it's a HP to attempt to secure to a regular cc.
Did they give you a reason?
@-Cain- wrote:
The reason I was given for why they hard on a CLI request was to check on how the CR looked since the original app and make sure it hasn't turned south from where it was.
I thought that's why they do continual soft pulls every month or so.
Oh well. I guess that's what it's coming to these days.
Would you mind sharing your score/inquiries? Also, did you have a banking relationship with them?
I will be applying for a regular BoA card within the next two months, and would like to estimate my chances
@-Cain- wrote:
I haven't experienced it yet, but have asked on a few occasions while I've called for other matters. Only once did a rep tell mr it shouldn't be a hard, the other 5-6 reps all said it'd be hard for that reason. I was thinking of increasing soon, so I'll update the board if I do, but after reading a higher CL doesn't mean much at graduation, I may hold off.
I suppose I could see why they'd pull a hard for graduation.
There have been other posters who have written about having low limits on their secured cards and getting decent limits upon graduation. Unfortunately I do not know exactly which thread this was in.