Bofa Secured Card

[NiNoMArksLA]

Hey just wanted to know about my Bofa Card
I had it since (Feb 2012) and started with $300 Limt and I wanted to add $1,200 to be total $1,500 Limt and its a HP would it help me
And I am not applying for any cards soon
So a HP won't hurt me

[Anonymous]

Have you asked to have it unsecured? 16 mos is a long time for BoA

[dodgerslv]

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@NiNoMArksLA wrote:
Hey just wanted to know about my Bofa Card
I had it since (Feb 2012) and started with $300 Limt and I wanted to add $1,200 to be total $1,500 Limt and its a HP would it help me
And I am not applying for any cards soon
So a HP won't hurt me

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hmmm...thats a long time for a secured BofA card? If you are going to burn a HP you might as well use it to see if you are eligible for the card to unsecure. If not then tell them you want to add more funds to increase the limit. That will help with your utilization. How does your CRs look like?

[hot4u]

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@NiNoMArksLA wrote:
Hey just wanted to know about my Bofa Card
I had it since (Feb 2012) and started with $300 Limt and I wanted to add $1,200 to be total $1,500 Limt and its a HP would it help me
And I am not applying for any cards soon
So a HP won't hurt me

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1- Ask to unsecure as others suggested.

2- If your gonna use a HP I would use it for a Credit Union since they tend to give higher Credit Limits. That may help Getting Bof A to start looking at you

[NiNoMArksLA]

AAOA 1 Year 7 Months
9 Accounts
No Baddies
No Lates Had 1 But Fixed It With a Letter
More Then 12 Inqs Cause Car Loan
High UTl 70% But I Paid Down Alot Of Cards
Next Month My UTL Will Be Under 7%
ill Try To Unsecure It But If I Get Declined Should I Add More Funds?

[hot4u]

Personally I would work on lowering Utility before putting more funds on there card.

Asking them to unsecure?

There reason could be:

 You have a High Util on other accounts....

[dodgerslv]

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@NiNoMArksLA wrote:
AAOA 1 Year 7 Months
9 Accounts
No Baddies
No Lates Had 1 But Fixed It With a Letter
More Then 12 Inqs Cause Car Loan
High UTl 70% But I Paid Down Alot Of Cards
Next Month My UTL Will Be Under 7%
ill Try To Unsecure It But If I Get Declined Should I Add More Funds?

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definitely wait till your new balances report...70% is too high, chances will not be good if they see it at the moment.

[NiNoMArksLA]

But I am paying down my cards before I do anything with Bofa when I call I will have under 7% UTl

[dodgerslv]

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@NiNoMArksLA wrote:
But I am paying down my cards before I do anything with Bofa when I call I will have under 7% UTl

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if its under 7 when you call then your chances will be good they may even usecure the card. You can always explain the INQs.

[NiNoMArksLA]

Should I get a Other Secured Card With a Higher Limt Was thinking citi bank us bank or Wells Fargo here's the cards I have now

2 Capital Ones $750 Limt $300 Limt
Credit One $300
Bofa $300
Macys $300
Express $500
Daniels $560
Wal-Mart $400