BOA secured card came today! And..

[Nola_Bee]

Received my BOA secured card today! I'm so happy! I've never been so excited about going to the gas station (I'm going tomorrow morning, lol!) ..I plan to only use it for gas and pay it off monthly to establish a good payment history.

I also read here that BOA likes to see multiple payments per cycle when determining graduation.. So I will be doing that in conjuction with keeping utilization at or below 9%.

This card is merely a vehicle for me to rebuild & establish credit.. so there will be no frivolousness going on. No sir.

AND..  some may interested in the preapproval I received from Shop NBC.. check out that thread here:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Shopping-cart-trick-ShopNBC/td-p/2508701

[myjourney]

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@Nola_Bee wrote:

Received my BOA secured card today! I'm so happy! I've never been so excited about going to the gas station (I'm going tomorrow morning, lol!) ..I plan to only use it for gas and pay it off monthly to establish a good payment history.

I also read here that BOA likes to see multiple payments per cycle when determining graduation.. So I will be doing that in conjuction with keeping utilization at or below 9%.

This card is merely a vehicle for me to rebuild & establish credit.. so there will be no frivolousness going on. No sir.

AND..  some may interested in the preapproval I received from Shop NBC.. check out that thread here:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Shopping-cart-trick-ShopNBC/td-p/2508701

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Great attitude congarts 

[Nola_Bee]

Thank you kindly @myjourney

I've been down that road.. and I dont care to travel there again.

[creditmadness]

Congratz on the secured card! This one was my first too!!! I can understand the excitement you are feeling. :-)))

[Nola_Bee]

THANK U SO MUCH!

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@creditmadness wrote:

Congratz on the secured card! This one was my first too!!! I can understand the excitement you are feeling. :-)))

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[JasonKR]

Congrats! that was my first card too!

Received pre-approved from Discover after gardening for 4~5 month, good luck!

[essexjet]

Congrats Nola_Bee

Just remember its a marathon...not a sprint.  Keep your game plan and you will see the result soon

[MsLadyRover]

Congratulations and good luck on your new journey!

[Revelate]

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@Nola_Bee wrote:

Received my BOA secured card today! I'm so happy! I've never been so excited about going to the gas station (I'm going tomorrow morning, lol!) ..I plan to only use it for gas and pay it off monthly to establish a good payment history.

I also read here that BOA likes to see multiple payments per cycle when determining graduation.. So I will be doing that in conjuction with keeping utilization at or below 9%.

This card is merely a vehicle for me to rebuild & establish credit.. so there will be no frivolousness going on. No sir.

AND..  some may interested in the preapproval I received from Shop NBC.. check out that thread here:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Shopping-cart-trick-ShopNBC/td-p/2508701

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Congrats, though BOFA doesn't really care regarding multiple payments in both my and other's experience: they graduate so regularly anyway it's no big deal.  BOFA's actual bugaboo is they really like PIF, and if you at some point float a balance, expect that to come up in the graduation discussion if you have to have it with them.