@Creditaddict wrote:
@Revelate wrote:
@Creditaddict wrote:
@junojunowhat wrote:I got it in July of 2012, however in July of 2013 when it was reviewed to graduate the BoA card and Discover card were bother maxed out, so it didn't graduate due to high utilization. I didn't really know what I was doing then. Anyway...it's reviewed again once a year, so come July I feel confident that it will graduate without wasting a HP.
the other plus to do the hp for unsecuring is that if they unsecure it most of the time they issue a CLI of $500... and if you want it raised in july after that happens, it will still be a hp.
Not in my experience.
If you request it early it can / will be a HP as explained; if you are denied for unsecuring and you are reconning it that may trigger a HP (happened with me for a stupid reason, I deviated in my behavior to try to max out the card to set the high water mark, bad Rev, bad!) but otherwise it simply unsecures and the limit may change at that point anyway.
I wouldn't push it early as did happen in some cases (YahComb comes to mind) but I'd always tack on the rewards: it's why it's the best secured card on the planet, but pushing one's markers on early graduation may wind up in uncessary pain. Ostensibly 3 more months can be waited to get the security deposit back in most cases,
it's not early graduation... OP is coming up on 2 years!
Good catch, I misread that one. I still wouldn't go poke the bear, based on his spending profile he'll likely get a bump and doesn't need the security deposit anyway. No real downside to waiting, and might be some by pushing the marker forward.
I'm becoming more risk adverse in my old age and senility apparently 
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