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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.
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