10-23-2012 02:48 PM
I have been reading alot on here and i have learned alot as well.
Here is my story....After years and years of abusing my credit i reached a point where i needed a clean slate. In 2008 I filed chapter 13 Bankruptcy and it will be discharged in 09/2013...long story short since i have been banking with BOA for over a year i figured i had enough of a good track record with them and decided to apply for a credit card with them. I was of course denied due to my bankruptcy.
About 2 weeks later maybe even longer i recieved an app in the mail for the "99/500" partially secure Platinum Plus Visa..At first I ignored it thinking it was another secured which could afford to put 300 or even 500 dollars on but as i was tossing it in the trash i saw in bold letters $99 Security Deposit..I proceeded to read the whole application including the small print..I decided after reading that this was an excellent card that would help me re-establish and rebuild my credit so i said what the hey and applied and even but my account # for them to draft the security deposit..
After 2 more weeks or so of waiting for a response i gave up and said i must have been denied...and was curious to know why and to see if others had heard or got approved for this card so i googled and come across this site where i learned of "backdoor" numbers and located on for BOA secured cards.
Called and the rep said you have been denied and the she asked questions about items on my credit report and put me on hold for what seemed like forever and came back and said i was approved..I was like yeah right..and she said she put in the request to draft the security deposit.
The next day the deposit was taken out and the day after that the card was listed with the last four digits on my online account page...made me smile.
I have my second chance!!!!
10-23-2012 03:01 PM
10-23-2012 03:01 PM
One of my friends got the same card with cash back reward, it was 99/500 also.
However, he calls them, and he was able to get it without the 99 deposit and 500CL.
He has BK in 2007 or 2008 I forgot. He has a checking account with BofA.
10-23-2012 04:25 PM
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.