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Regular Contributor
Posts: 169
Registered: ‎05-16-2011
0

BOFA credit card denial?

Hello all,

 

I just applied for a bank of america credit card and got the "further processing is needed." Any idea on whether i was approved or not? i would say that i got denied. just wanted everyones opinion.

 

Thanks.

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: BOFA credit card denial?

[ Edited ]

You could always try calling and checking the app status. I think the number is 877-721-9405. If not approved you can try a recon, the number should be in the backdoor  numbers thread. They could just need to verify some information. Keep us posted!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: BOFA credit card denial?

"Further processing needed" doesn't always mean a denial. Call the app status number for bofa and it will usually have more updated info. Good luck!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 608
Registered: ‎02-02-2012
0

Re: BOFA credit card denial?


maiden_girl wrote:

"Further processing needed" doesn't always mean a denial. Call the app status number for bofa and it will usually have more updated info. Good luck!


True that. I received that message when apping for the BofA Priveliges with Travel Rewards. I only knew I got it becuase I signed into my online account. I also received that same message when applying for my Chase Freedom card. I received an email like two weeks later congratualing me on the approval. I would call right away.

Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: BOFA credit card denial?

I got the same message when I apped for Chase Amazon. It was approved the next day.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 657
Registered: ‎06-27-2012
0

Re: BOFA credit card denial?

I was given the same thing and called the next day to verify some info and was approved, not necessarily a denial, GL.

 

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Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: BOFA credit card denial?

When I applied for the Privileges card, I got the same message, called and was approved within 5 minutes.

 

They probably just need to etiehr review your credit file further, or they need some additional info from you.




Frequent Contributor
Posts: 389
Registered: ‎10-02-2012
0

Re: BOFA credit card denial?


720ismygoal wrote:

Hello all,

 

I just applied for a bank of america credit card and got the "further processing is needed." Any idea on whether i was approved or not? i would say that i got denied. just wanted everyones opinion.

 

Thanks.


 So what was the outcome? Good, I hope!

 

 

 

 

PenFed Platinum Rewards Visa-$12k / US Bank Platinum Rewards Visa-$5k / Chase Freedom Visa-$5k / Chase Military Star MasterCard-$5k / TIC FCU Visa Gold-$5k / Chrysler MasterCard(FNBO)-$4.1k / Wyndham Rewards Platinum Visa-$2.5k / Service CU Platinum Visa-$10k / Bank of America Cash Rewards-$10k (all 9/2012, garden time!)

Belk ($2.5k) CSP VS ($5k) Citi Platinum Select AAdvantage WEMC ($13k) Citi HHonors VS ($11k) HHonors AmEx ($2k) Dillard's AmEx ($7.5k) Discover it ($3.5k) FNBO Chrysler MC ($20k) Gold Delta SkyMiles AmEx ($9.5k) Macy's AmEx ($5k) Macy's ($1k) Military Star Card ($4.8k) Military Star MC ($15k) Nordstrom VS ($10k) PenFed Cash Rewards Visa ($15k) Ritz Carlton VS ($35k) Starwood Preferred Guest AmEx ($2k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($14k) Walmart Discover ($7.5) Arrival + WMC ($12.5k) Wells Fargo Visa ($3k)
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: BOFA credit card denial?

+1

Regular Contributor
Posts: 169
Registered: ‎05-16-2011
0

Re: BOFA credit card denial?

Denied! It's ok, i'm happy with my Discover. Next year i'll try Amex instead.

Old Navy: AU $600----------------Walmart(store card): $900 & FICO: 680
Sears Mastercard: AU $300-----TU: FICO 652 April/2012
Emblemcard: $325------------------EQ: FICO 668 April/2012
Discover: $1,000-FICO 695 4/25/12---------Bringing home Amex in 2013!
Cap1: $750 Gardening mode until April 2013
Cap1: $500



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