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...
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO