How long should it take to be approved?

[tempusfugit123]

I applied yet again for a secured card and havent heard anything in about 10 days. How long does it usually take? I called a backdoor nymber to ask but they said it was pending they never seem to understand =(. Its the Bofa Secured card. I already have one "to my suprise" that will never graduate and that didnt require a deposit. So im wondering how long does it take to actually be approved and if I were denied wouldnt I know by now. I applied once before in March and got denied the same day due to a collection that said it was unpaid but was. Thanks you guys

[Anonymous]

Let me understand.

You have a BoA "secured card" which is active/open, AND you can charge on it, and you pay the bill, BUT you do not have a deposit?

Then this is not a secured card, it is unsecured.  A deposit is the very definition of secured.  And if you don't have a deposit, then what is it going to "graduate" to?  Ordinarilly to graduate means going from a deposit to no deposit.  You don't have a deposit, thus nothing to graduate.

As for your current application, 7-10 business days can be normal (which would be 2 calendar weeks).

[tempusfugit123]

It actually is a secured card that didnt require a deposit. I thought it was unsecured until I requested a credit limit increase. But I will give them a call next wednesday because it shouldnt take longer than 3 weeks

[Breakthecycle2]

I'm confused. How do you have an unsecured card with no deposit?

[Anonymous]

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@tempusfugit123 wrote:
It actually is a secured card that didnt require a deposit. I thought it was unsecured until I requested a credit limit increase. But I will give them a call next wednesday because it shouldnt take longer than 3 weeks

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I hate to have to rain on the parade.......BUT ..ahhhhhhhh Bank Of Scamerica is being very stingy with credit limt increases. They are giving decreases at this time. So i wish you luck.

[creditwherecreditisdue]

The secured card application process at BofA is very slow! Be patient. If it is going to happen it will,,, eventually.

Wait 'til they approve you and you send them a check to set up the account. I heard that it can take them over a month to deposit it and get you your card.