Bofa Secured Help!

[texasman07]

My bofa hits 9 months tommorrow.

Should I call to unsecure or wait a year?

[-Cain-]

Mine hits 9 months on the 10th of this month, I'm interested to see how it goes for you.

Bump for some answers!

[Anonymous]

after 12 months i called to unsecure 99/500,they gave me $3.500 cl ,then after 2 weeks called again i asked them to convert to boa amex accelerated. no problem.

[Anonymous]

Which one do you have the fully secured or the 99/500? I have the fully secured I asked when I could get it unsecured and was told by one csr 9 months and then I was told 12 months by a different csr. I've read some success stories at 9 months. I say you call and go for it tomorrow. Do you have any baddies on your reports?

[ShiningDown]

Cain why did you get a secured card with your scores.  Im just curious. What the reason was. How was your credit report and score when you got it? 

[-Cain-]

ShiningDown, I had just found this site and had read about the card. I hadn't checked my scores as I didn't think I'd get so into this site and repairing/rebuilding my credit. My first scores pulled were after this card, and I do believe the card helped there.

I had a few negatives on my CRs, and less positives. I will try and start a thread detailing my trek from cash only for 8-9 years to getting my first AmEx this past December after only having my BofA secured for 8 months.

[LS2982]

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@texasman07 wrote:

My bofa hits 9 months tommorrow.

Should I call to unsecure or wait a year?

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I would call at the year mark and see if they will unsecure.

[-Cain-]

LS, do you think it'd hurt to try at 9 months? I think if you get the right CSR it may work, and if not they'd tell you to try again at 12 months.

I've been calling since my card was 4 months old and I got my Discover, lol.

[LS2982]

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@-Cain- wrote:
LS, do you think it'd hurt to try at 9 months? I think if you get the right CSR it may work, and if not they'd tell you to try again at 12 months.

I've been calling since my card was 4 months old and I got my Discover, lol.

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I don't think it would hurt at all. Prior posters have had success in this thread, but it always looks better to a CSR with a full year good history. You may have to catch one in a good mood for 9 months.

[CS800]

Wait until your 13th statement cut. If they unsecure it before that, you're good.