cancel
Showing results for 
Search instead for 
Did you mean: 

BofA Secure Credit Card CLI Request is it a HP?

tag
Mike11208
New Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

So I have heard nothing from BofA about my request until today, but it wasn't a form to submit more money, it was a form asking me to call or send back the form. They just want to know how much I pay in rent. 

 

 

Message 11 of 32
bigblue7722
Valued Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

BOA secure is not worth two HP imo. Sallie mae eats that card for breakfast lol. So glad I trashed mine. BOA customer service is the worst i have ever dealt with too. Capital one is better. 

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.
Message 12 of 32
One7
Valued Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?


@Mike11208 wrote:

So I opened the card with 500 I thought it would be enough but because of the Cash Back I am spending nearly 1500 dollars a month on the card already I am PIF before the statement cuts and paying multiple times through out the month. 

Today I decide to increase the limit to 700 (why 700 and not 1000 I don;t want to go to crazy) using funds from my savings account to fund the increase. 

I could not find the link to increase the limit in the information tab (I seen it before but when the card was changed to Cash Rewards it disappeared)

 

So I use the online chat, and request the increase. They ask me my annual salary, how much I pay rent my employer etc. Are they going to do a HP? I didn't bother to ask and now I am worried. He said it will take 5 to 7 days to process the request and if approved the funds would be deducted. U haven;t received any alerts from Identity Guard yet saying I have had my credit checked but I am just wondering if this is going to be a HP or a SP. 

 

Thanks,  


Not sure if it's an HP or not for an increase but if it is that would suck. Just wait a few more months and it'll be unsecured in no time and your limit will be increased big time. Mine went from 300 to now 10k in months. Got to be some of the best service and they will give you just about anything you ask for. Sorry to say but to whomever said Capital One better? Seriously?  You're definitely one of the 1%ers. I'll take my BofA secured card from 300 to unsecured in less than a year and then Increased to 10k months later with excellent service any day over a capital one that will never unsecure. Or an unsecured capital one that will almost never give a CLI. Their service is so terrible that you have to jump hoops just to even have a chance. But don't let me be the judge, just do a search ANYWHERE or on this site. Pretty obvious BofA is ten times better.

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 13 of 32
One7
Valued Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

OP if they did do a HP it will be from your TU credit report. 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 14 of 32
Mike11208
New Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

There was a HP. But I wanted to know if they were considering already unsecuring my card after the letter I got from them asking me how much I pay in rent.

Message 15 of 32
One7
Valued Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

They might, I've heard a couple people get theirs unsecured as early as 6 months. If yours did though it would definitely be a record for early graduation. 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 16 of 32
Mike11208
New Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

Mines is only 2 months old. But I am kind of excited at the same time with the letter I got asking me to call. I expected a letter asking me for deposit info.

Message 17 of 32
One7
Valued Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

Very cool and good luck to you. Let us know what happens, BofA will work for you and are pretty amazing. 

EX 810 EQ 805 TU 792 Diners WEMC 15k Chase United Club VS 15k | Hyatt VS 25k | Ritz VI 5k | Frdm VS 6k | CSP VS 5k | Mariott VS 6k | Amzn VS 16k Citi ExecAA WEMC 18k | TYP VS 7k | Costco VS 9k | Hilton Reserve VS 6k | Best Buy Visa 5k BofA Travel VS 30k | Cash VS 41k | Merrill+ VS 46k Barclay Rwds WMC 6k | Hawaiin WEMC 10k | JetBlue WEMC 8k | Aviator S WEMC 6k Amex Plat: NPSL | BCP 8k | SPG 3k WF Rwds VS 9k | Propel World Amex 25k | Dillards Amex 2k BBVA NBA Amex 10k Cap1 GM WEMC 8k | QS Visa 3k | Saks WEMC 9k NASA 30k Discover It 7k | US Bank Cash+ VS 15k | Flex Perks VS 20k ||| Total Rwds VS 12k | SG Rwds 11k | Walmrt MC 8k | Lowes 17k | Bowflex 9k | J Deere 15k | TJ Max 4k | Care 15k | HDepot 20k | Amzn 5k | PPal Extras 8k | Chvron 10k | Macys 15k | JCrew 18k | Marvel 8k | Stash VS 8k | Cabelas 10k | Statefarm 12k | Nordstrom Visa 10k \\\\Gardening since January////
Message 18 of 32
Chaselover
Frequent Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?


@Mike11208 wrote:

So I opened the card with 500 I thought it would be enough but because of the Cash Back I am spending nearly 1500 dollars a month on the card already I am PIF before the statement cuts and paying multiple times through out the month. 

Today I decide to increase the limit to 700 (why 700 and not 1000 I don;t want to go to crazy) using funds from my savings account to fund the increase. 

I could not find the link to increase the limit in the information tab (I seen it before but when the card was changed to Cash Rewards it disappeared)

 

So I use the online chat, and request the increase. They ask me my annual salary, how much I pay rent my employer etc. Are they going to do a HP? I didn't bother to ask and now I am worried. He said it will take 5 to 7 days to process the request and if approved the funds would be deducted. U haven;t received any alerts from Identity Guard yet saying I have had my credit checked but I am just wondering if this is going to be a HP or a SP. 

 

Thanks,  


Do you have any cash back for a secured card from BOA? I also have a BOA secured but is in the sock drawer, used only for 5$ a month for getting the low balance on statements. If there is any kind of cash back, I would be interested to start using it. Currently, I am using only Freedom for the cash back. 

 


In a committed relationship with Chase from 12/2012.
Age: 26, Income: $59,240/-, Current score: TU from CK: 750/A (12/24/14), TU Vantage score from CK: 775/C (12/24/14), Experian from Creditsesame: 717, Equifax from myfico: 724, Overall Util: 1% (12/24/14), Total credit limits: $62,150, In the garden from 12/19/2014, AAoA : 7 months, Oldest account: 8 months, Newest account: 1 week, HP: 18.
Message 19 of 32
baller4life
Super Contributor

Re: BofA Secure Credit Card CLI Request is it a HP?

You can convert it into a Cash Rewards secured and get cash back yes. Awesome card!!!
Message 20 of 32
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.