Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 571
Registered: ‎04-02-2008
0

BOA hounding me to app for credit

Okay so I posted yesterday that I go an invite for the phoenix lifestyle world card, then I notice like 5 times in the last few days I got a call from a card servie company but no message.. I called it back today just in case it was a recent application needing verification or something NOPE it was BOA offering me a product called blue fish with worldpoints. they said they sent four offers for four differnt types of cards in there system.. I was a good girl and told her that although I really wanted to app for a good prime card such as BOA that I did nto feel that this was the best time for me to do it... I asked her about who they pulled she said they soft pull all three and HARD pull one random. I asked her how she got my information and she said that someone sent them information that I was a good cadi for thier cards... anyway Im so happy I didnt do it becasue Im not ready for a hard pull and decline or a new account to shorten my lenght of history. i have a few things that need to be gardedned and my UTI hasnt updated yet.  Then I think I will do the pre app site yall are talking about.
Anyone eles being hounded?
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Super Contributor
Posts: 6,028
Registered: ‎09-18-2007
0

Re: BOA hounding me to app for credit

Yesterday, I had a very heated exchange with BOA underwriter. They keep sending me pre-approved apps and when I apply they decline saying past delinquency. I gave a mouthful to underwriter, why BOA is acting like this. I could get 2 cards from Citi / 3 Biz cards from Key/CapOne/Naitional City and I have all my accounts with BOA and they would not apporve me for LOC. Underwriter starts appologizing but would not approve me. I am planning on going to the branch tomorrow and give them earful of my voice.......Smiley Mad
Established Contributor
Posts: 571
Registered: ‎04-02-2008
0

Re: BOA hounding me to app for credit

see thats just rude. Dont bother killing the trees with these invites if you dont plan of backing them.... I will protest them just because of your unfiar treatment!Smiley Tongue
6/9/08 FICO TU 697 EX698 EQ 618uti 6% (once new accounts hit) BIZ- DUNS 80, EX 35
GOAL 2008- 700s+ new car
2010 BE a first time buyer
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
0

Re: BOA hounding me to app for credit

If for no other reason, get the straight bank card, if you can, rather than an affiliate card like these Phoenix Lifestyles and blue fish or whatever cards. This is the big lesson I learned from my February app'ing. I didn't believe that I could get the real cards, so I app'd for (and got) several affiliate cards. (These have the name of a professional organization, or store, or sports team, or whatever on them in addition to the bank's name.)

The problem is that generally these can't be converted to the straight bank cards, so once you want to go for the regular cards, which often have better rewards or higher CL's, you can't keep the history.

Certainly not the biggest problem on the face of the Earth, but something to keep in mind when you're shopping for cards.
* 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

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.