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Valued Contributor
nyccc2
Posts: 1,195
Registered: ‎12-13-2007
0

30 Day Notice for Online BOA Approval a bad sign???

Got the pre-approval in the mail, filled in online, asked for total of $1k in BTs.

THey said they'd let me know in 30 days.

When that happened with Amazon Chase was not good (I had to recon and pay down balances on other cards, in this case though I am at 5% or so).
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Epic Contributor
Creditaddict
Posts: 20,995
Registered: ‎10-23-2007
0

Re: 30 Day Notice for Online BOA Approval a bad sign???

1 of these numbers hopefully is still good
BoA: 866-865-7842; 866-506-5067 (Credit Dept. Analysts/Recon)
BoA: 302-741-1825 (Recon)
call in and they will process app while on the phone, lots of times they just need a manual touch!
Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Established Contributor
chiwiseguy
Posts: 649
Registered: ‎11-02-2007
0

Re: 30 Day Notice for Online BOA Approval a bad sign???

Call in, the last one i got with the 30 day wasnt a good sign.
Valued Contributor
Scamp
Posts: 2,791
Registered: ‎03-18-2007
0

Re: 30 Day Notice for Online BOA Approval a bad sign???



Creditaddict wrote:
1 of these numbers hopefully is still good
BoA: 866-865-7842; 866-506-5067 (Credit Dept. Analysts/Recon)
BoA: 302-741-1825 (Recon)
call in and they will process app while on the phone, lots of times they just need a manual touch!


The crossed-out one is dead.  The 506 number is still good, so far as I know.
_____________________________________________________________________________
It's never too late to become the person you might have been. ~George Eliot

02/12/09 EX: 701 / 02/08/10 EQ: 719 / 02/08/10 TU: 723

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Established Contributor
hoping2rebuild
Posts: 905
Registered: ‎07-25-2008
0

Re: 30 Day Notice for Online BOA Approval a bad sign???

BF applied for BOA card this morning and this is the response he got, this is most likely a Turndown right? he was hoping for to be offered the BOA 99/500 card
 

We Need More Time

Thank you for applying for the Platinum Plus® Visa® Credit Card from Bank of America.

Although we can normally provide credit decisions right away, we'll need a little more time to verify some of the information you provided us.

Within a few days, we'll send you an email informing you that a decision has been made on your application. You can sign in to retrieve this decision at the following address, using information you provided on your application:

 


Starting Score: 377EQ/350EX/400TU As of 11/2011
Current Score: 620EQ/614EX/612TU As of 01/2013
Goal Score: 700+ across the boards
Valued Contributor
nyccc2
Posts: 1,195
Registered: ‎12-13-2007
0

Re: 30 Day Notice for Online BOA Approval a bad sign???



hoping2rebuild wrote:
BF applied for BOA card this morning and this is the response he got, this is most likely a Turndown right? he was hoping for to be offered the BOA 99/500 card
 

We Need More Time

Thank you for applying for the Platinum Plus® Visa® Credit Card from Bank of America.

Although we can normally provide credit decisions right away, we'll need a little more time to verify some of the information you provided us.

Within a few days, we'll send you an email informing you that a decision has been made on your application. You can sign in to retrieve this decision at the following address, using information you provided on your application:

 






Hmm mine just said thanks for applying, will know in 30 days.

Called the application # from the letter, it said if you applied less then 10 days ago to wait. Fingers crossed, also hope they pull CR soon since it is good now (minus cap1 that hopefully falls off next week), but util is great 2% to 20% depending on CRA (since TU uses Amex!)
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Member
realaqu
Posts: 8
Registered: ‎07-18-2008
0

Re: 30 Day Notice for Online BOA Approval a bad sign???

I got that message as well, approved 20 days later, I got high balance on another card for tax free shopping, after I paid the balance next billing cycle, BOA approved me with a AMEX card, I guess they just want more time to evaluate your risk.
New Contributor
mrdrum18
Posts: 65
Registered: ‎07-27-2008
0

Re: 30 Day Notice for Online BOA Approval a bad sign???

[ Edited ]

nyccc2 wrote:

hoping2rebuild wrote:
BF applied for BOA card this morning and this is the response he got, this is most likely a Turndown right? he was hoping for to be offered the BOA 99/500 card
 

We Need More Time

Thank you for applying for the Platinum Plus® Visa® Credit Card from Bank of America.

Although we can normally provide credit decisions right away, we'll need a little more time to verify some of the information you provided us.

Within a few days, we'll send you an email informing you that a decision has been made on your application. You can sign in to retrieve this decision at the following address, using information you provided on your application:

 


Hmm mine just said thanks for applying, will know in 30 days. Called the application # from the letter, it said if you applied less then 10 days ago to wait. Fingers crossed, also hope they pull CR soon since it is good now (minus cap1 that hopefully falls off next week), but util is great 2% to 20% depending on CRA (since TU uses Amex!)
Just push the prompt if you have waited longer than 10 days, it does not matter. You will first be transferred to a first line rep who will take your SSN and look up your application. The rep will then transfer you to a credit analyst for a decision. When I have applied, I called minutes after the application and got my decision that way.

Message Edited by mrdrum18 on 08-29-2008 06:57 AM

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