08-12-2012 07:25 AM
I am beginning my gardening after closing on a house and trying to pick up a couple decent cards. I am 660 fico w experian, so double apped for BOA, I got a message that my app couldnt not immediately be approved and its being considered, is this a polite denial? Should I call them and ask whats uP? Any advice is appreciated!
08-12-2012 08:18 AM
From my very recent experience with BoA (I wrote about this here not a long ago - http://ficoforums.myfico.com/t5/Credit-Cards/BofA-
08-12-2012 08:21 AM
Call them as soon as possible. It's not an outright denial. They probably just want to verify some information.
I agree, call them!
08-12-2012 06:12 PM - edited 08-12-2012 06:12 PM
I app'd on 8/1, and it took them 10 days to review my account before I logged in one day to my BoA online account and saw the new tradeline. Didn't bother calling, am in no rush. BoA usually reviews most applications these days, their instant approval comes few and far between, I believe.
09-18-2012 07:10 PM - edited 09-18-2012 07:10 PM
I got a will let you know in 30 days message after applying.
Should i wait a couple more days or just call them?
I don't want to look jumpy or needy...
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.