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).
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
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.
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.