09-23-2008 07:26 AM
Also, pls correct me if I'm wrong, Am I suppose to use no more than 20-30% of CL? Or is it much less? I got this card to build up my credit as it seems to be stuck at low 700's due to no revolving accounts.
09-23-2008 11:31 AM
09-23-2008 11:57 AM
09-23-2008 12:06 PM
09-23-2008 12:26 PM
09-23-2008 12:36 PM
09-23-2008 02:16 PM
MsCurious wrote:So.. I finally had the guts to apply for my first cc through BOA.. I was approved yesterday, after applying last week and getting the message "We need more time.."! I'm sooooo excited.. and a lil nervous, btw.I thought they would flat out deny me because of the FA alert on my reports. After verifying some info, I was approved for the Platinum Plus with a $2,000 CL. Not bad I guess, considering I put my personal income instead of HHI. FYI, the # I was given to reach the the Acquisitions dept. directly was 800-297-4236.Now here's where the pressure begins.. when I get the card do I:
- Make small purchases and PIF before statement date, which I would have no way of knowing if I just got the card or let a balance report of no more than $100 and then PIF so it shows that I'm using the card and know how to manage credit.
Also, pls correct me if I'm wrong, Am I suppose to use no more than 20-30% of CL? Or is it much less? I got this card to build up my credit as it seems to be stuck at low 700's due to no revolving accounts.Thank you so much for your help.
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