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BOA just graduated

ottergo4
Contributor

BOA just graduated

    Am midway between my 9th and 10th statement on a fully secured $300 card, so I called in this morning to see if they will unsecure. After about two minutes she comes back with a yes and cli of $500 to make cl $800. Was told it wouldn't be a hard inquiry.

 

    Do I dare try the luv button/or call for cli? Or should I just be happy with what I got for now(which I am)?

Message 1 of 11
10 REPLIES 10
Chopbrocoli
Established Contributor

Re: BOA just graduated

I would wait 6 months before you get another CLI. Just establish a history and pattern with them first, then you will be good.
AMEX Gold Premier Rewards | SPG AMEX | Bank of America Power Rewards | Merrill Plus | United Presidential Plus | Saks World Elite
Message 2 of 11
woopah
Established Contributor

Re: BOA just graduated

If you try for another CLI so soon, I would assume that you will end up with a hard inquiry.  If you hit the CLI button on the website it will probably give you the form to fill out, which is a hard for BoA.
4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Message 3 of 11
maxima1
Frequent Contributor

Re: BOA just graduated

congratsSmiley Happy 2 more months for me..
GOAL FOR 2010 Paying Down Debt .........653 EQ 685TU EXP???
Message 4 of 11
laz98
Senior Contributor

Re: BOA just graduated

yay for you!  i am definitely getting one of these when we have some extra money next year.
Message 5 of 11
Rebuild2022
Super Contributor

Re: BOA just graduated

Congrats.... Smiley Happy Mine became unsecure around July of this year.
Gardening since 08/2020
Message 6 of 11
tonsers
Frequent Contributor

Re: BOA just graduated

Congrats - an unsecured BofA card is a great one to have.  Don't hit the luv button yet, it will grow with you... all good things in all good time!  Smiley Happy
Message 7 of 11
ottergo4
Contributor

Re: BOA just graduated

Thanks to all for your advice. Guess the consensus is to hold off, so will patiently(or perhaps not so patiently) wait a few months and hope it grows.
Message 8 of 11
wcnghj
Regular Contributor

Re: BOA just graduated


@woopah wrote:
If you try for another CLI so soon, I would assume that you will end up with a hard inquiry.  If you hit the CLI button on the website it will probably give you the form to fill out, which is a hard for BoA.

Form isn't a hard, I have done it twice. It says they will contact you if they need to pull a hard.

04/2009
TU:745
EQ:764

10/2008
TU: 708
EQ: 708
EX:707
Message 9 of 11
pumbaablah
Regular Contributor

Re: BOA just graduated

i have a question. I have a secured card with BOA also. I'm going on my 7 month with the card. I had deposited 300 also and got the 300 CL. I see that you got a 500 cli to make your cl to 800. Lets say around the 8 1/2 month i deposit 1000 to my cl to make it a 1300cl. would they carry that over to the unsecured? Would BOA consider that when they set my unsecured cl? or does it even matter how much you deposit, you will only get a few hundred cl?
Message 10 of 11
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