castlereagh

THis is just my opinion, but I recommend disputing the account with the CRA to see if you can get the entire account deleted...make sure your current account is backdated...and make sure you pay in full every month.

Hi I've had a BOA visa for 21 months that is secured with several thousand dollars. Since acquiring it my credit scores have vastly improved and I have acquired several prime cards. My goal is to have this card unsecured while retaining the current limit, have it report as unsecured, then have it closed at consumer request. I really feel like BOA would find some excuse to CLD this card if I called...plus there are no rewards associated with it so I really have no use for it....and schwab is no longer available for new applications. My FICOs are in the 750s for both Equifax/Transunion. I of course don't know what my Exp is. I have checked my Ex Vantage score and its 784. I'm sure my Ex Fico score is lower as I have a couple of old charge offs that show only on Ex. They pulled a hard on me at the 18 month mark, however did not unsecure. I have since placed Ex on ice....maybe at 24 months they'll pull another bureau. I'm a big fan of strykers thread and have used his strategy for CLIs, product changes etc for several of my other cards....however I'm very leery about contacting anyone at BOA for anything. I already have checking and savings with BOA with several thousand dollars. Maybe I'm being paranoid....but I would rather have this account unsecured before I close it. Thanks in advance for your thoughts and suggestions. I love creditboards and read it almost every day.

Congratulations

Thanks everyone. Recent EQ Fico is 757. I have several old lates on one TL.

Asked for and received $1000 CL to get my foot in the door. Online approval was instant which surprised me. Now there is nothing left I want to apply for except Navy when my brother joins. Anyone ever experience a snatchback from Penfed?

They pulled ex with 8 inqs. Current util is around 4%. I've spent around $4000 in Costco in the last 12 months.

I applied after receiving two invites in the mail and an email invite. CL is 2000 which I am happy with as I just wanted the card for rewards and it's also nice to have another backdated account. Ex vantage score 784.

Congrats

I called this morning and was told by a CSR that they very recently stopped combining accounts

My next target is Penfed....I plan on applying in 2010 when I have 0 Inq on EQ.

CONGRATULATIONS But never leave home with-out VISA or MC or DISCOVER or all three and some cash in todays environment

Yes, 2 COs from 2005 on EX

Many thanks to all here at CB!!! I've spent hours and hours reading the forums. Its nice that this TL will be backdated to the 90's. Recent EQ FICO 754, TU 698, Ex???

Not a big deal for some, but it is for me. Since joining CB I've eliminated all debt and the majority of baddies from my reports.