How Secured Card works
Your new Bank of America credit card can help you establish a credit history that will benefit you now and in the future.
You deposit anywhere from $300 up to $10,000 into a Bank of America security deposit account. Your credit line will directly reflect the amount of your deposit.
You can then make purchases with your card up to the amount you have in your security deposit account.
You must pay at least the minimum payment before the due date each month. Paying off your credit card balance in full each month instead of carrying a balance may help. Your security deposit does not cover minimum payments.
Based on your credit and payment history, you may qualify for an unsecured card at a later date.

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Get your Bank of America visa platinum secure card and enjoy the benefits today!

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	Bank of America Secured Visa® Card
	Credit lines available from $300 to $10,000 Set your own credit limit Build or reestablish your credit Card issued by FIA Card Services, N.A. Intro APR Intro Period Annual Fee N/A N/A $29 Click here to Apply Now or Learn More... Review The Bank of America Secured Visa® Card is ideal for those with limited or poor credit who may have difficulty in obtaining a standard unsecured credit card. Unlike most secured credit cards, this card offers benefits such as auto rental insurance, travel and emergency assistance, and Total Security Protection®. Cardholders will also have the option to receive convenience checks at no extra charge. These benefits do come with an annual fee of $29. However, this card does not charge an application fee or a transaction fee for purchases, which are favorable benefits overall.

Secured Benefits:- Online Banking service Total Security Protection®, our free package of security features, including zero liability from unauthorized card use if you notify us promptly Travel and emergency assistance Automatic auto rental insurance Purchase Replacement Purchase Guard Convenience checks at no extra charge Additional cards at no extra charge Safe and secure online application with SSL encryption technology.

Bank of America Secured Visa® Card Cardholders Comment/Review/Rating "Best card to rebuild credit - I like many consumers overextended myself and subsequently paid the price with a damaged credit report. This cards give you the flexiblity of having a little credit or a lot of credit, it's all up to you. If you like banking online, you can transfer funds either from another BOA account or an account outside the bank to increase your savings account which is linked directly to your credit line. Credit increases are processed instantly. I've called on my cell phone before during lunch and by the time I got back to the office, my increase was already posted. The only downside that I found was that you couln't call the secured credit card service representatives directly, you had to go through the main BOA customer call center. Within 6 months, BOA unsecured my account and increased my credit line. Unlike other secured cards (Orchard Bank) that only promised to review your account and increase your credit, I was actully surprised when I received my letter congratulating me on building a solid history with BOA and I was to be rewarded. I've checked my credit report during the time the card was secured and BOA does not report as a secured credit card. My credit has substantially improved that I applied for and was approved for an AMEX card just last week. I've been so happy with BOA's service and flexiblity, that I will have my BOA card for a very long time." hotdoggy7500, 1/10/2006 "Best secured card yet!!! Applied for the card on 26Apr05 Check cashed 04May05 ($250) Received card on 19May05 (three weeks) Made online transer from BofA account to secured savings raised limit From initail 250 to 700 instantly. Made one purchase on 20May05 First statement closed on 22May05 Reported to EX on 25May05 with the first statement amount and 700 dollar limit reporting. In one months time from 26Apr05 to 25May05, applied got card made puchase, statement closed, card reported, not too bad." devobail, 5/25/2005 "Great Customer Service! I had perfect credit up until 1999 when my wife's business started having problems - I tried to "bale her out" but ended up ruining our credit files. Avoided bankruptcy but had to settle with 5 credit cards, 3 student loans, and 2 revolving loans - many months late, collection agencies got rough with me, etc. Very bad credit report. Couldn't even take family on vacation - needed credit card for rental car and hotel reservation deposit, etc. Mailed application to Bank of America April 20 along with $3000.00 bank check. Got a bit nervous that perhaps my credit was sooo bad that I wouldn't even be able to get a secured card approved. Called them May 5 to check on application. Unbelievably friendly and knowledgeable customer service!!! Very different experience!!! They informed me that I had been approved and that my card would probably arrive today. It did! I have a B of A Platinum Visa credit card with $3,000 credit limit backed up by an interest accruing savings account (yes, they do pay interest - not much - but on $3,000 it will add up over time). I called Customer Service to find out how I could check my savings account balance, interest rate, and deposit more funds to raise my credit limit - they walked me through all of my questions - very nice. Bank of America's Customer Service is a unique and totally different (pleasant) experience - I think even tlak radio host Clark Howard would have to give them a big thumbs up!!!!!" William from GA, 5/10/2005 "Excellent Secured Card - I applied to this card because I did not have any credit history. I deposited five thousand dollars and received a platinum card. After a year, my account was upgraded to an unsecured account. Everything went smoothly, as simple as this. I am really appreciative of Bank of America's secured card program. It is an excellent program for people without any credit history." JIMMY, /15/2003 Safe and secure online application with SSL encryption technology.

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