Flatbroke_Again wrote:
PLEASE, need your input, ideas, thoughts. I was offered a secured, 300 & up, card through Boa. i read here a lot about it. If, i go for this, what limit would stand a good chance later on of becoming, at least 5k. cl. Granted, of course that it graduate from secured to non sec. i thought i read here, that your up front money usually becomes your cl. when you graduate? Any insight to this one?
I had my fully secured BoA at 2k unsecure yesterday, bumped to 2.5k. I wanted a product change so was given a number to call back.
I spoke with the rep about different rewards card and what I would probably like best. He asked if I would like to see about increasing my CL. He came back and asked if 5k would do. I was pretty shocked. NFCU only approved me for 2k due to my income. Atleast with BoA I was able to add in DH's, not that his is very much either.
I would go for it. He said so long as the card is handled properly to show good habit's and preferrably paying at least double the minimum was a good sign to them. I sometimes revolved a balance, but nothing over 20% of my line. Mostly PIF though.