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Frequent Contributor
Posts: 308
Registered: ‎02-03-2008
0

BOA Question?

How does BOA look at discharged BKs? My Bk was discharged on 4-17-08 and I have established credit for over 4 1/2 while I was in BK. My signature below gives the details of some of my accounts.

Thinking about applying for a regular Visa from them but very worried about a decline and wasting an inquiry.

What do you recommend?
 
Thanks,
Bobby
Fico:EQ 689 (1/8/16) EX 692 (2/8/16) TU 674 (1/8/16)
C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $8,000 / Penfed Plat Rewards Visa Sig $9,500 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $1000 / Sams Club Store Card $437 / JCPenney $1,800
Survived BK Filing: Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $500
Epic Contributor
Posts: 28,341
Registered: ‎10-23-2007
0

Re: BOA Question?

I wouldn't waste the inquiry if you do the pre-approval on there site and don't get an offer.
I may have left the garden 06/20/2016 Smiley Tongue
Partner Joined Garden 04/11/2016
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Frequent Contributor
Posts: 308
Registered: ‎02-03-2008
0

Re: BOA Question?

Thanks Credit,
 
I tried the pre-approval site last week and they came back with the secured.  :-(
 
I did talk to a rep at BOA and they told me I should try for the Plat Visa but you know how that goes....
Fico:EQ 689 (1/8/16) EX 692 (2/8/16) TU 674 (1/8/16)
C1 Venture One $10,000 / C1 Quicksilver Visa Sig $10,000 / C1 Quicksilver WMC $8,000 / Penfed Plat Rewards Visa Sig $9,500 / Logix FCU Plat MC $12,000 / SDCCU Plat Visa $2,500 / Barclays Rewards MC $1500 / Best Buy Visa $1000 / Sams Club Store Card $437 / JCPenney $1,800
Survived BK Filing: Fort Knox CU Plat Visa $5,000 / Lowes $7,000 / HSN Card $3,000 / Walmart Card $2,000 / Macys $800 / Target Red Card $500

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