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BOA $99/$500 Card


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Be prepared that they might pull a hard to unsecure you. My card was opened in November. They told me I could call in 9 months to ask for them to unsecure it. I did and they pulled a hard without informing me that they would. The lady only took two minutes to unsecure me. She said everything looked OK and told me to hold for a minute and then came back one minute later and told me my card was unsecured with double the credit limit. However, when I checked my CRs online the next day, there it was, the hard inq on EX. Make sure you ask if they are planning to pull a hard or not. In my opinion they should tell you if they are planning to pull a hard. You shouldn't have to remember to ask them first.

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Hi Carvazos,

In my previous posting about notice of term changes of BOA, they are announcing some big changes so I asked people on the board, but no comments yet... They are doing changes but do not know if this means a good thing or a bad thing...

In terms of my experiences I got the BOA thru an AU, which helped me to get good TL, they even increased my TL without my asking when I was over the 85 % usage. I am now trying to get this back to 25% usage. But still I was able to get my car loan as you know.

Not sure what this promo is the 99/ 500 and how you can actually securce interest on this... interesting.

Suki

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There are some old threads on the $99/$500. In a nutshell You apply for a regular card. When you get declined. Sometimes you'll get offered this card automatically. It tells you to send in your $99.00 they open a savings for you where they put the $99.00 dollars. ANd they send out a card to you with a $500.00 limit. You have to wait 9 months to 1 year for them to reconsider you and issue you an unsecured card. And your $99.00 plus interest is returned. You earn interest on the $99.00 which is good. Does this help?

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  • 2 weeks later...

hey all

hey cav! :)++

Just wanted to share my experience with this card...

Opened Nov 2005

pay on time every month and just recently kept a $0.00 balance... checked my account today they gave me a $500 CLI i didnt even ask for it :shock:

so i guess you can leave this card alone and after 9 months they will do what they will with your account

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