Reply
Valued Contributor
Posts: 1,082
Registered: ‎07-12-2008
0

BOA

I applied for one of BOA regular cards and got this message:
 
Thank you for your application for a Bank of America credit card account. We regret we're unable to approve your request at this time. We will mail you information regarding our decision in the next 25-30 days.
 
Would it be a good idea to wait for "the mail" or go ahead and apply for a secured card with them?
CURRENT SCORES: TU: 641 21 Apps / EX: 643 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 6/2/15

Starting a 2 Year Garden Stint 4-1-15
Epic Contributor
Posts: 24,292
Registered: ‎10-23-2007
0

Re: BOA

I would think Secured
Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
New Contributor
Posts: 65
Registered: ‎03-05-2008
0

Re: BOA

What about "we need more time". App for a Visa Signature, getting that for a week?
Valued Contributor
Posts: 1,082
Registered: ‎07-12-2008
0

Re: BOA

The need more time message I would call their back door line and inquire.
CURRENT SCORES: TU: 641 21 Apps / EX: 643 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 6/2/15

Starting a 2 Year Garden Stint 4-1-15
Epic Contributor
Posts: 24,292
Registered: ‎10-23-2007
0

Re: BOA

If you get need more time, call back door number right away! they should complete app while on the phone
Fico Scores: EQ- 670., TU 705 Sync, EX 700 (04/20/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
83 Cards and Counting :smileytongue:
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.

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.