Do I need one?

[Anonymous]

I've always wanted a BOA cc. All I can get approved for is a fully secured CC. I just dumped my first premier card.

Heres my cards

Cap1 1000

Cap1 600

HSBC 300

HSBC Discover 600

HSBC VISA 800

Hooters 1100

Do I need a BOA secured? Since I dont have any prime cards?

Message Edited by Badcreditguy on 12-08-2007 10:14 PM

[Anonymous]

if i were ever going to do a secured card i would go w/boa in a second. prime issuer, they actually graduate to unsecured and once unsecured i hear they cli often.

did you do the soft pull pre-approval check?

[Anonymous]

Completely agree with ducky.  If I only knew then (when I got my Orchard secured card) what I know now...

[Anonymous]

yeah I did the soft pull. How long does it take to graduate?

[Anonymous]

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Badcreditguy wrote:

yeah I did the soft pull. How long does it take to graduate?

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Most say it takes a year of perfect history on the secured card.  I have seen reports of as little as 6 months.  YMMV.

[SmartCookie]

Most definitely that would be a great choice and congrats on dumping that card.

Are you going to get the regular secured or do the 99/500 route?

[Anonymous]

I have to go fully secured, they didnt offer me the 99/500 deal

[SmartCookie]

BCG you app'd for their Plat card to try for the 99/500 right?  It's not a direct offer.  If you didn't app yet you might want to try that.  If you did app and it only offered the fully secured... it's still awesome and a great choice.  Works out to be the same in the end... just more money up front will the fully secured.

[Anonymous]

i think ill get one!

[Anonymous]

Hi "BCG",

I had the BOA fully secured card and they just graduated it to unsecured after 12 months.  Each individual situation is different.  Just ensure ontime payments and  no over  limits.   You  can add $ to the card and increase your cl's  without hard inquiries.

I would highly recommend the  fully secured card  if  you didn't get the 99/500  offer.