cavazos007 Posted August 9, 2006 Report Share Posted August 9, 2006 Ok. I've had my card since December...it's still a secured card. I wonder how long it's going to take them to realize I'm ready for the unsecured card with a higher limit. Link to comment Share on other sites More sharing options...
cavazos007 Posted August 10, 2006 Author Report Share Posted August 10, 2006 Link to comment Share on other sites More sharing options...
lyle7289 Posted August 10, 2006 Report Share Posted August 10, 2006 you are OH SO READY Cav...... If you need me, I got your back!! Link to comment Share on other sites More sharing options...
abeautifulwoman Posted August 12, 2006 Report Share Posted August 12, 2006 I got this card in September '05 and it just went unsecured in June and went to a fixed intrest rate of 9.9%. Also, you can get the $99 you sent in back or leave it in the bank and let it accrue intrest at 1.5%. Needless to say, I got back my $99 and put it on my card. I didn't get a CLI though. Link to comment Share on other sites More sharing options...
cavazos007 Posted August 14, 2006 Author Report Share Posted August 14, 2006 Yeah I know about the $99. I spoke to a rep and they told me they usually wait 9 month to change the status of the card. Link to comment Share on other sites More sharing options...
mkay lady Posted August 18, 2006 Report Share Posted August 18, 2006 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. Link to comment Share on other sites More sharing options...
cavazos007 Posted August 18, 2006 Author Report Share Posted August 18, 2006 ...I'll remember that! Thanks! Link to comment Share on other sites More sharing options...
suki Posted August 18, 2006 Report Share Posted August 18, 2006 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 Link to comment Share on other sites More sharing options...
cavazos007 Posted August 18, 2006 Author Report Share Posted August 18, 2006 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? Link to comment Share on other sites More sharing options...
CreditWatcher77 Posted August 31, 2006 Report Share Posted August 31, 2006 hey allhey cav! Just wanted to share my experience with this card...Opened Nov 2005pay 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 so i guess you can leave this card alone and after 9 months they will do what they will with your account Link to comment Share on other sites More sharing options...
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