I applied for the BOA Secured MasterCard in March 2016 and was immediately approved. I liked the $99 deposit and for that got a $500 CL. I've maintained the account using it only for small purchases and paying in full each month. A little over eight months later, I got a letter telling me that the account had been converted to unsecured, my CL doubled, and that the deposit would be returned shortly. It took a couple of weeks, but the $99 check was soon in hand.
Coming up on the anniversary of the card, I didn't want to have to pay the $39 annual fee. In as much as my credit situation has improved (monitor those credit reports, kids) I called to cancel the BOA card. They, of course, sent my call to customer retention. They were very helpful in looking into dropping the annual fee, though it was going to be a week or so for a decision on that. They also converted the card to a rewards card, and shocked me by lowering the interest rate! It's still up there, but under 20% is a nice change of pace right now.