BoA secured card graduation

[Anonymous]

So this month it's been 12 mos and I called them yesterday to see if they would graduate me. Said a HP was necessary, he pulled a report asked a few questions and said congrats. I asked about the CL to see if it was gonna double, it's not it will stay the same. I asked about converting to the 1-2-3 rewards card and he said he could convert it.

I should've asked about the AF, and about the $100 after spending $xxx. Should I call back and try to see if they will give me a CLI along with no AF?? Same with TE spend xxx get $100?

[Open123]

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@Anonymous wrote:
So this month it's been 12 mos and I called them yesterday to see if they would graduate me. Said a HP was necessary, he pulled a report asked a few questions and said congrats. I asked about the CL to see if it was gonna double, it's not it will stay the same. I asked about converting to the 1-2-3 rewards card and he said he could convert it.

I should've asked about the AF, and about the $100 after spending $xxx. Should I call back and try to see if they will give me a CLI along with no AF?? Same with TE spend xxx get $100?

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Congrats!

It used to be only an SP on graduation, but I see BofA hardpulls for everything now.  It can't hurt to call back to ensure there is no longer the AF attached to your account, and if they'd extend the bonus offer to you.

[bodybuilder510]

Congrats on your graduation success.

[MsLadyRover]

Congratulations Graduate!

[-Cain-]

OP first off, Congrats on the graduation!

Now, coincidentally, I also called about unsecuring this morning and asked the question you are wondering about. My 1 year anniversary is 4/9, the CSR was able to graduate mine after a few questions. He HP'ed TU I believe. Doubled my CL from $500 to $1k and converted me to 1-2-3 Cash Rewards. Now to the question about AF...he said that would not change. He said I could try applying for another card, but it'd be another pull. I'm ok for now.

Once again, congrats!

[Anonymous]

Ok I talked to 2 different reps earlier and I can't get the $100 bonus... My credit limit is staying the same($1000) and cannot be increased for right now. Said to wait 3-6 months but I don't want another HP since they just pulled. Also the AF cannot be waived, maybe I should keep calling them and buggin them

[Anonymous]

Congratulations on going from secured to unsecure but, it seems to me that they could certainly do A LOT more for you. 

[Anonymous]

Yea I wish they would have doubled my limit. I seem to have a hit a fico deadzone, I have three $1000 limit cards and a ame zync. Can't seem to pass the 1000 barrier

[LS2982]

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@Anonymous wrote:
So this month it's been 12 mos and I called them yesterday to see if they would graduate me. Said a HP was necessary, he pulled a report asked a few questions and said congrats. I asked about the CL to see if it was gonna double, it's not it will stay the same. I asked about converting to the 1-2-3 rewards card and he said he could convert it.

I should've asked about the AF, and about the $100 after spending $xxx. Should I call back and try to see if they will give me a CLI along with no AF?? Same with TE spend xxx get $100?

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Congrats!!!

I would call back and speak to a different rep. about CLI.

[Open123]

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@Anonymous wrote:
Ok I talked to 2 different reps earlier and I can't get the $100 bonus... My credit limit is staying the same($1000) and cannot be increased for right now. Said to wait 3-6 months but I don't want another HP since they just pulled. Also the AF cannot be waived, maybe I should keep calling them and buggin them

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The best thing to do is to wait a while.

In a couple of months, I'd call back and as them to consider a "product" change to a no annual fee card.  With BofA, this is both an involved process and a hit and miss.  If you're fortunate, a CSR or analyst familiar with the process can make the change for you without a HP.  Either way, your existing record on your secured will be purged, but the original date will remain the same.

With BofA, the product change requiring to remove the annual fee isn't a simple process.