BOA Secured Graduation time frame

[Anonymous]

on the 7th I will have my BOA secured card for four months always PIF, I have actually been doing good with this card because I REALLY WANT IT TO UPGRADE, but I wanted more insight on what is the earliest they gradute your card to unsecured? h=

Has it happened to anyone in 4 or 5 months?

[Anonymous]

I believe when I signed up it said it will be evaluated for graduation after a year.

[DaveInAZ]

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@Anonymous wrote:
I believe when I signed up it said it will be evaluated for graduation after a year.

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Yes, 1 year is the "standard" automatic graduation to unsecured. Mine said that as well, but I called and got it unsecured at around 8 months. 4 months is too soon, I think 6 months is the earliest to try. When I called to unsecure I asked for a CLI & rewards and was told no. If you request a CLI it will be a HP, so I never did. March 1 I got an auto CLI from the $300 secured limit to $1800, tht would be around 20 months from my secured app. So I called again and asked about rewards, and was told I qualified for the card to be upgraded to a Cash Rewards card, I said, Yes, thank you!

[joltdude]

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@karladicent wrote:

on the 7th I will have my BOA secured card for four months always PIF, I have actually been doing good with this card because I REALLY WANT IT TO UPGRADE, but I wanted more insight on what is the earliest they gradute your card to unsecured? h=

Has it happened to anyone in 4 or 5 months?

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Try more like 6-7 mo even a year....

Many have had luck under a year.....

Building credit is a marathon, not a sprint...... 

Keep up what your doing and patience will pay off...

-J

[Anonymous]

4 months is way too soon. That's a blimp on the radar. I'd wait 7 months at least then ask. You can get cash rewards added at anytime though if you don't already.

[Anonymous]

DH got his unsecured at 7 months. As previously stated if you dont ask for a cli they will SP.

[Anonymous]

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@karladicent wrote:

on the 7th I will have my BOA secured card for four months always PIF, I have actually been doing good with this card because I REALLY WANT IT TO UPGRADE, but I wanted more insight on what is the earliest they gradute your card to unsecured? h=

Has it happened to anyone in 4 or 5 months?

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BoA will tell you they will review your account after a year but I had my regular AmeriCard unsecured at 9 mos with CLI from $500 to $1600 and my Cash Rewards unsecured 10 months with CLI from $300 to $500. I'd wait a little bit longer. I think they do periodic reviews every month or so. 

[Anonymous]

Thank you so much everyone for all of your advice