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Posts: 118
Registered: ‎12-04-2008
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BOA Secured Card

Hello all,


General consesus of the board tells me to go wtih BOA secured


So today I opened a BOA checking account and Friday I am going to close my TD bank account because they do not offer secured cards


I have a chargeoff and 5 collections from 2004


In the past 4 months I have opened a First Premier card as well as Crown Jewlers and my score has jumped from around 500 to now around 600 (590-610)


My question is will BOA approve me for a secured card with a FICO around 600? Is it easy to get?



Valued Contributor
Posts: 1,749
Registered: ‎08-18-2007
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Re: BOA Secured Card

Hi Richie


Although nothing is guaranteed and people have been denied even a secured card, in your particular situation, I think you will indeed get the secured card.



Posts: 118
Registered: ‎12-04-2008
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Re: BOA Secured Card

Thanks oracles


Once I get the BOA secured I am done


I will let my 3 TL's re-establish my credit and hopefully show the big boys that I am now credit worthy.


With all my baddies from 2004 I am so shocked that the 2 TL's (when I get BOA it will be 3) I currently have jumped my score that much...




Established Contributor
Posts: 805
Registered: ‎02-01-2008
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Re: BOA Secured Card

I was approved for a standard BoA secured card that opened last March (2008).  My scores were all rather low (high 400s to low 500s) but I had banked with them for a while and my accounts had been in good standing for over 6 months.  I had several charge offs, 4 collections, and one account (maybe 2 if my CJ account had hit yet) in good standing.


I got the plain secured card, with a $300 limit - and after calling last week it was graduated and CLI'd to $800 Smiley Happy


Good luck to you, I think you'll get it, but ya never know.

Start 2/2008: TU 495 || EX 539 || EQ 528
Now 5/2013: TU 716 || EX ??? || EQ 702

Slate: $5000 Simplicity: $5000 David's Bridal: $3500 SW Chase: $3000 FNBO: $3000 Barclay NFL: $2500 BofA: $2400 Discover IT: $1700 Walmart: $1500 Victoria's Secret: $1000 Cap1: $750 Amex Zync: NPSL
(2 derogs to go until I'm squeaky clean in 2014!)
Frequent Contributor
Posts: 488
Registered: ‎04-09-2008
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Re: BOA Secured Card

BoA use to has a good secured card program.
Super Contributor
Posts: 6,211
Registered: ‎09-18-2007
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Re: BOA Secured Card

BOA has a preapproaval page on the website. Go there and enter the information and see if they have any card offferings for you. It does not cost a hard inq for you. Some times if you apply for the regular card and if you do not qualify for it then they would offer you either 99/500 card or full secured card. There are options to explore. You could also try for Nordstrom Store card which could turn into Visa in 6 months.
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: BOA Secured Card

Do realize that the BofA website will soft your EQ, and when you apply for real, they will probably pull EX and possibly TU in addition.

So if your EQ and EX reports are substantially different, as in number/ severity of baddies on them, the pre-approval site might not work for you.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

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