"I Got It!!!"
Bank of America Secured Visa® Card Review
Written by: mimie on 2009-01-29
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
mimie's review: 
I applied for this card a week ago after reading these reviews. The $$ was debited from my account a day later but the application status online still said it was still pending. Today the online status said it was approved yay!!! I can't wait to get the card in the mail, increase the limit and add my husband to it. Like clockwork, I plan to pay the entire balance every month. I spoke the CS and they said 9 months to get it unsecured. Does anyone know what that unsecured limit is? I plan to secure a total of $1000. My card should be in the mail end of next week. Time to fix my credit mess.
I applied for this card a week ago after reading these reviews. The $$ was debited from my account a day later but the application status online still said it was still pending. Today the online status said it was approved yay!!! I can't wait to get the card in the mail, increase the limit and add my husband to it. Like clockwork, I plan to pay the entire balance every month. I spoke the CS and they said 9 months to get it unsecured. Does anyone know what that unsecured limit is? I plan to secure a total of $1000. My card should be in the mail end of next week. Time to fix my credit mess.
6 Comments
Comment 1 by mark
As Early As 6 Months! 
on 2009-01-30
My friend got this card back in 2006 with a $ 600 starting credit..
he paid his bills on time, left some balance every now and then but he was never late.
On the 7th month, it was turned into an unsecured card and an increase of 300 was given to him.
Even though, based on the agreement that he signed, it says that it can take up to 12-15months for the card to be unsecured..
i guess good behavior with your card can make it a little faster.
on 2009-01-30 My friend got this card back in 2006 with a $ 600 starting credit..he paid his bills on time, left some balance every now and then but he was never late.
On the 7th month, it was turned into an unsecured card and an increase of 300 was given to him.
Even though, based on the agreement that he signed, it says that it can take up to 12-15months for the card to be unsecured..
i guess good behavior with your card can make it a little faster.
Comment 2 by meya
Way To Go on 2009-01-30
I could imagine how you must feel. You have taken the best step towards credit rebuilding, Bofa is a good card to grow with. Let me give you a link to follow where you can ask questions about this card:
http://www.financeglobe.com/FN/showthread.php?402
Good luck, and keep us updated in the comments area with your overall experience of the card.
Meya!
on 2009-01-30 I could imagine how you must feel. You have taken the best step towards credit rebuilding, Bofa is a good card to grow with. Let me give you a link to follow where you can ask questions about this card:http://www.financeglobe.com/FN/showthread.php?402
Good luck, and keep us updated in the comments area with your overall experience of the card.
Meya!
Comment 3 by hjm331
Congrats! on 2009-01-30
Congrats! This is a great card to help you rebuild your credit and BoA will definitely grow with you as long as you make your payments on-time and keep your balance low.
on 2009-01-30 Congrats! This is a great card to help you rebuild your credit and BoA will definitely grow with you as long as you make your payments on-time and keep your balance low.
Comment 4 by wanderer
Bank Of America Good Choice on 2009-01-31
Glad you got it. I am on the same path and look forward to rejoining the big bank card customers with unsecured lines! Stay with it... I saw one review where the person actually went unsecured in seven months... WOW!
on 2009-01-31 Glad you got it. I am on the same path and look forward to rejoining the big bank card customers with unsecured lines! Stay with it... I saw one review where the person actually went unsecured in seven months... WOW!
Comment 5 by calvindai
Approved on 2009-02-24
I applied and got this BoA Secured Visa too. Well I only deposit $500 just to build my credit with Bank of America.
I also switch banking to BoA for more convenient..
I cant wait to receive the card and start building good credit with them..
on 2009-02-24 I applied and got this BoA Secured Visa too. Well I only deposit $500 just to build my credit with Bank of America.I also switch banking to BoA for more convenient..
I cant wait to receive the card and start building good credit with them..
Comment 6 by tia530
Congrats! on 2009-03-13
Great builder,
I had secured card for approx 9 mos, with 500$, actually went unsecured for 1,000.00 and at the same time was offered the BofA Amex@1500.00, you're on your way for sure with BofA! Gotta love em.
on 2009-03-13 Great builder,I had secured card for approx 9 mos, with 500$, actually went unsecured for 1,000.00 and at the same time was offered the BofA Amex@1500.00, you're on your way for sure with BofA! Gotta love em.
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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
