02-26-2010 06:31 PM
After 3 of my baddies fell off my report this past month, I decided to try for a prime card. I had 3 cards in mind: Amex Clear, Discover More, and Bank of America Americard Basic Visa. Before beginning the first application I kept thinking that the time wasn't right because I still have some 90+ student loans on my report. Three to be exact! I choose to push my instincts aside and applied for all three. The results were as follows....
I will now begin my ADVENTURE with the BOA family.
02-26-2010 06:42 PM
Congrats!! I'm going to try for the Amex later in the year when some of my rebuilder cards have aged alittle more. I'm looking forward to the day I can get a prime card with a real limit...
02-26-2010 09:01 PM
02-26-2010 09:05 PM
02-26-2010 09:12 PM
Bocklin, I will admit that I did call the customer service number listed on their website. I called pretending I didn't know the status of my account, really hoping that speaking to a rep would somehow shift their initial decision. The rep was nice, but didn't budge. I asked her "based on my report did I perhaps choose the 'wrong' card to apply?" Response: "No, it's all same, the only thing different is the benefits of the cards."
Still think I should call?
02-26-2010 09:46 PM - edited 02-26-2010 09:48 PM
I was declined last week on Tues, I think... I called that number too, and they told me that I wasn't approved because of a collection on my acct that is 6.5 years old ($141 paid in 2006 before I knew better)
I called the recon dept on Thursday... my card came in the mail today.
Granted, I don't have a 5k credit line, but I do have the account. This works for me, for now.
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.