Valued Member
Posts: 34
Registered: ‎03-13-2008

Another BOA thread...

A few weeks ago I app'd for a BOA card, and they said no but how bout this 99/500 one, and I declined. Then about a week ago I got a preapproved offer from them in the mail, for an unsecured card (I don't have it anymore, not sure of the details), so I went to the site, and it gave me the 7-10 days message. I did see the inquiry show up on my EX report (the first time it was TU) on 5-1. I haven't received anything in the mail, but this morning, I noticed there is a new account reporting to Equifax (we'll see how long it takes scorewatch to tell me about it), and it's BOA! It shows a 500 limit, and acct opened on 5-1. Few questions:
1. Do they normally report before the card is activated (I haven't even received it yet), or has someone intercepted my card and maybe using it?
2. It had better not be that partially secured card. It's showing a limit of 500! Can I ask for a CLI at activation? None of my CLs are that low anymore. And if for some reason it is that partially secured card (which I don't want) can I just cancel it? Is that bad?
Established Contributor
Posts: 583
Registered: ‎03-12-2008

Re: Another BOA thread...

You can always call and ask for the CLI.  It is better do it over the phone with the backdoor number.  As for them reporting before you activate the card....yes they have been known to do that.
As of 04/23/2011 - 731 for EQ FICO
As of 03/02/2012 - 779 for TU FICO
As of 12/2010 - 720 - 729 For EX (Chase FICO Score Provided by EX)
Established Contributor
Posts: 853
Registered: ‎03-21-2008

Re: Another BOA thread...

That's normal for B of A.  My card with them reported to the CRA's almost a week before I got the card.
07/26/2007 TU-688
Senior Contributor
Posts: 3,279
Registered: ‎08-03-2007

Re: Another BOA thread...

Yes, it's normal.

I have 2 cards from them, and both started reporting long before the card came in the mail.

Also, when I was granted a CLI, they did a special update to the CRAs. How awesome is that?
Here we go again...

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