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BOA app being "considered"????

Regular Contributor

BOA app being "considered"????

    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!

Message 1 of 7
6 REPLIES
Established Member

Re: BOA app being "considered"????

Call them as soon as possible. It's not an outright denial.  They probably just want to verify some information.

Message 2 of 7
Frequent Contributor

Re: BOA app being "considered"????

From my very recent experience with BoA (I wrote about this here not a long ago - http://ficoforums.myfico.com/t5/Credit-Cards/BofA-Travel-Rewards-denial-and-successful-recon-great-e... ), they may be very nice accomodating to your specific situation. I would really recommend you to call them. 

 

GL!

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colonSmiley Wink Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Message 3 of 7
Mega Contributor

Re: BOA app being "considered"????


avidlinuxuser wrote:

Call them as soon as possible. It's not an outright denial.  They probably just want to verify some information.


I agree, call them!

 




EQ FICO 548 3/3/16
Message 4 of 7
Regular Contributor

Re: BOA app being "considered"????

  Thanks, I am going to give them a call.  I really want their Caesars Rewards card, I stay at their properties six or seven times a year and it had  a lot of perks.

Message 5 of 7
Frequent Contributor

Re: BOA app being "considered"????

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.


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


Take the FICO Fitness Challenge
Message 6 of 7
Established Member

Re: BOA app being "considered"????

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...

Message 7 of 7