BOA Secured question

Mellykca · ‎02-25-2014

Should I reapply with Cap One?? Or just got for the sure thing of Open Sky?

bigblue7722 · ‎02-26-2014

@Mellykca wrote:
Should I reapply with Cap One?? Or just got for the sure thing of Open Sky?

open sky scares me i wouldnt touch them. Re-apply for cap one but wait 6 months from the date u last had a hard pull. Dont go for the boa yet your just not there and its a lot harder to get approved then cap one. However, Do you bank with boa at all? If you do and have some money with them it might be worth a shot to go into the branch and try there for the secured they might be able to help you push it thru.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

Vegas247 · ‎02-26-2014

@Mellykca wrote:
I am in the rebuilding process and I was thinking that I should add another secured card. I currently have 1 WF secured and 3 comenity store cards. I was thinking about the BOA secured card... but I was concerned that I may be denied. I applied for a Cap One secured a few months ago and was denied. Is BOA pretty easy to be approved for?

If I were you, I would find a local Credit Union to get a secured card. Too bad you aren't in Oregon. There is a Credit Union here that absolutely graduates after 12 month guaranteed....as long as you aren't late. I'm sure you can find a local credit union with the same type of guarantee....

$600

Barclaycard® Rewards MasterCard® - Average Credit

$6500

Blue Cash Everyday® Card from American Express

$30k

16k

12k VSiggy

Mellykca · ‎03-01-2014

Is Open Sky bad? I actually just applied with them before I read this reply, although I have not sent them any money yet... As far as BOA, I do not bank with them because they do not have any branches in WI =(

I would really like one more card to rebuild with, but it seems like I have very limited options...

asphaltcowboy · ‎03-01-2014

@Mellykca wrote:
Is Open Sky bad? I actually just applied with them before I read this reply, although I have not sent them any money yet... As far as BOA, I do not bank with them because they do not have any branches in WI =(

I would really like one more card to rebuild with, but it seems like I have very limited options...

If you are having problems with Cap 1, go to the Credit One site and try their prequal, it does have fees I believe,
I would try before you app, don't know about Open Sky

Best of luck to you in your rebuild journey

Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013

Mellykca · ‎03-02-2014

Credit One is not available in WI... =( Seems like living in WI really limits my options

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