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Bank of America secured credit card

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Community Leader
Super Contributor

Re: Bank of America Secured card


@razzy116 wrote:

@the_old_curmudgeon wrote:

 

What exactly does it say?


I went to the website last night and saw the limit increase button, i don"t remember if i saw the the limit increase button a few weeks ago.


What is the exact wording though on the limit increase button?  Having it just show up one day isn't unusual.



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 11 of 28
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Frequent Contributor

Re: Bank of America Secured card


@the_old_curmudgeon wrote:

@razzy116 wrote:

@the_old_curmudgeon wrote:

 

What exactly does it say?


I went to the website last night and saw the limit increase button, i don"t remember if i saw the the limit increase button a few weeks ago.


What is the exact wording though on the limit increase button?  Having it just show up one day isn't unusual.


It says credit line increase. Thank you and be safe.

Message 12 of 28
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Community Leader
Super Contributor

Re: Bank of America Secured card

 

That isn't the exact phrasing BoA generally uses on their luv button.   Can you use a snipping tool to capture and post what it is you're seeing?

It could be useful for the next person who encounters the same senario.



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 13 of 28
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New Member

Re: Bank of America Secured card


@hajenkin wrote:

Hello! It might be a little off-topic, but how were you offered that $99 deposit for the partially secured card? Were you already a BofA customer before that offer?


Not OP but I also got that offer for the Cash Rewards secured card by applying for the u secure version but getting denied. Called recon and they offered it to me. 

Message 14 of 28
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Frequent Contributor

Bank of America credit card limit increase

Should i try to get a credit limit increase? I have had the card since April 2020, no collections. Thank you and be safe.

Message 15 of 28
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Frequent Contributor

Re: Bank of America credit card limit increase

TU score 674.

Message 16 of 28
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Valued Contributor

Re: Bank of America credit card limit increase

I'm not a BOA guru but if it's a soft pull then it can't hurt to ask. What's your limit now? How much are you looking for?

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 17 of 28
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Valued Contributor

Re: Bank of America credit card limit increase

From a timing aspect, you're eligible...but does the "Request Credit Line Increase" link show up online when you look at your account?

That's typically their indicator of "try your luck it might work out" 

If the link does not exist, you will be told no

If the link does exist, they will go off a previous SP to make their decision.

Message 18 of 28
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Super Contributor

Re: Bank of America credit card limit increase

Message 19 of 28
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Community Leader
Super Contributor

Re: Bank of America credit card limit increase

Have you confirmed yet whether or not the card has unsecured?  

 

https://ficoforums.myfico.com/t5/Credit-Cards/Bank-of-America-secured-credit-card/td-p/6125503

 

 



(10/2020)
FICO 8 (EX) 810 (TU) 805 (EQ) 794
FICO 9 (EX) 835 (TU) 822 (EQ) 828

$1M+ club

Artist formerly known as ColdFusion
Message 20 of 28
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