Credit Card Center Advertiser Disclosure

Posts: 13
Registered: ‎01-04-2008
0 Kudos

Apply in person?

I am on the right path to credit rebuilding, but I'm not quite there. I've gotten my only collection removed, and most of my late payments now reporting as never paid late. The worst part of my credit score right now (with TU specifically, still waiting for the other 2 to process my disputes) is my available credit on revolving accounts. Well, its actually only one account; a single credit card with Capital One. Ive got a $2,000 balance on a $2,250 limit card.


I'm starting to pay it down, but nothing significant as of yet. What i'd like to do is get a new credit card and xfer the balance, then CLOSE that Capital One card. The balance xfer would of course reduce or eliminate the interest (intro offer). I have been a a long-time customer of Bank of America, but have never borrowed from them. 


I went on their credit card site for the pre-selection based on the soft-pull of my credit score (presumably), and it came back and said that I have no offers. Would it be better to apply in person so that they can actually have a look at my credit history? I imagine my score will drastically improve once I release the pressure on my credit limits.

Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: Apply in person?

Bank of america does not like high util right now and I probably wouldn't waste the inq if they are not offering you something in prequal site.

also I would not close the capital one card once you do open something else, your util is really hurting you. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.