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secured boa with prev bk

bamagirl1
Established Contributor

secured boa with prev bk

has anyone gotten the secured 99/500 with a prev bk? if so how long after your bk was it? i'd love to have it, but don't want to waste an inquiry if not!  thanks!
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 1 of 8
7 REPLIES 7
granny031350
Established Contributor

Re: secured boa with prev bk

I filed a chapter 13 in 2005.  It is currently being discharged (Feb for final I believe).  I applied last June and was denied but was offered the fully secured.  When I contacted B of A they told me that any bk goes to fully secured first, not the 99/500.  The csr told me that that offer is reserved for those with "ok" credit etc.  But I got my fully secured in June.  Have PIF every month and am hoping for unsecured and big increase in March or so.

 

 I also have a chapter 7 in 01 and 2 dismissed bk's in 04 (divorce)

Message 2 of 8
bamagirl1
Established Contributor

Re: secured boa with prev bk

thanks granny what's the difference between fully secured and 99/500 secured? how long do you have to have the fully secured b4 it can become unsecured?
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 3 of 8
granny031350
Established Contributor

Re: secured boa with prev bk

I paid them 300.00 for a cc with a 300.00 limit, fully secured.  The 99/500 is you pay them 99.00 and get 500 in credit available.  They also charged me a 29.00 yearly fee for this card.  From what I have heard here, after 9 months, the card goes to unsecured and they return your deposit.  Most get a cli.  Smiley Happy
Message 4 of 8
bamagirl1
Established Contributor

Re: secured boa with prev bk

thanks so much! so on average with the secured, it goes unsecured after 9 months?
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 5 of 8
score_building
Senior Contributor

Re: secured boa with prev bk

yes, with good behavior

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 6 of 8
beenthere
Established Contributor

Re: secured boa with prev bk

Hold the boat sports fans. If your BK included a BoA card ya ain't gettin' nuthin' from BoA. Not on the short side of 7 years anyway.
1-14-08....... TU=683, EQ=667, EX=666
7-04-08....... TU=688, EQ=678, EX=682.......
.......4 of my 5 cards and a new car later.
2/13/09 and forever EX 693
Message 7 of 8
bamagirl1
Established Contributor

Re: secured boa with prev bk

thanks but i've never had any boa card much less included in bk..thanks
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 8 of 8
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