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?
Thanks