No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Today I called BOA in order to see about unsecuring my BOA Platinum and I was able to do so after calling the right number.
I have read reports online of people being able to unsecure after 5 statements if BOA likes what they see on your AR reports and how you have been managing the card. Initially I simply called the general card number and was told that the card could not be unsecured for one year. After thinking about it I called the Secured Card number at 800-824-5895.
The young lady who was clearly a fluent English speaking American citizen asked me the same types of questions that one would get if they were asking for a CLI and came back with an approval to unsecure my card and give me a CLI of $800 for a new CL of $1300. Additionally, the $500 that I used to secure the account was literally instantaneously put back into my BOA checking. I think that this was all accomplished with a SP as I got no HP reports from any services.
I then asked her about a product change to a cash rewards card and she said that I needed to wait a month for the systems to update.
My current FICO 08 scores as of today are:
TU 764
EX 725
EQ 744
AAOA 1.7
Utility 5%
I hope that this post and these data points can help someone else down the line.
I was sent a offer for the Americard Cash Rewards about a month ago. Just interested to know your scores when you applied for the secured card. Trying to figure out if it's worth applying for.
@precision wrote:Today I called BOA in order to see about unsecuring my BOA Platinum and I was able to do so after calling the right number.
I have read reports online of people being able to unsecure after 5 statements if BOA likes what they see on your AR reports and how you have been managing the card. Initially I simply called the general card number and was told that the card could not be unsecured for one year. After thinking about it I called the Secured Card number at 800-824-5895.
The young lady who was clearly a fluent English speaking American citizen asked me the same types of questions that one would get if they were asking for a CLI and came back with an approval to unsecure my card and give me a CLI of $800 for a new CL of $1300. Additionally, the $500 that I used to secure the account was literally instantaneously put back into my BOA checking. I think that this was all accomplished with a SP as I got no HP reports from any services.
I then asked her about a product change to a cash rewards card and she said that I needed to wait a month for the systems to update.
My current FICO 08 scores as of today are:
TU 764
EX 725
EQ 744
AAOA 1.7
Utility 5%
I hope that this post and these data points can help someone else down the line.
Congrats OP, especially with an SP!!!
Congrats on the grad, and cli with an SP!
@Anonymous wrote:I was sent a offer for the Americard Cash Rewards about a month ago. Just interested to know your scores when you applied for the secured card. Trying to figure out if it's worth applying for.
When I applied for the secured card I had no credit score available and my reports were essentially blank.
I have had my BOA for more than 2 years now and it has not unsecured. I am planning to pay down my $600 balance when I am able and close the card. I had the CLI link for months and the 1 time I used it, my increase was rejected for not enough funds in my BOA checking/retirement accounts. I had been a customer with them for more than 10 years. I think I'm done with them.
@Chrisla2077 wrote:I have had my BOA for more than 2 years now and it has not unsecured. I am planning to pay down my $600 balance when I am able and close the card. I had the CLI link for months and the 1 time I used it, my increase was rejected for not enough funds in my BOA checking/retirement accounts. I had been a customer with them for more than 10 years. I think I'm done with them.
Can't say I blame ya. I know I tried a couple times for BOA and they shot me down both times. I had nice cards & limits with other banks & CU's. I gave up on them. No love for me & no reason to be that way!
@BungalowMo wrote:
@Chrisla2077 wrote:I have had my BOA for more than 2 years now and it has not unsecured. I am planning to pay down my $600 balance when I am able and close the card. I had the CLI link for months and the 1 time I used it, my increase was rejected for not enough funds in my BOA checking/retirement accounts. I had been a customer with them for more than 10 years. I think I'm done with them.
Can't say I blame ya. I know I tried a couple times for BOA and they shot me down both times. I had nice cards & limits with other banks & CU's. I gave up on them. No love for me & no reason to be that way!
Yeah....I tried again today just for good measure. I wondered if trying for an new unsecured would work, but I think I'm done with BOA. I've already given up on their checking acct...now their CC is leaving my wallet.
I have had a Bank of America checking and savings account for almost 4 years, what made you switch banks and where did you switch to?