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Does anyone have a Bank of America Visa credit card experience? if so, what was your FICO score at the time of approval? I apped back in December/Januaryish and was declined with a 670 FICO score, no baddies, but my oldest cc at the time was only one year old and credit file was too thin. I was told that I should be okay if I reapplied in six months. Just testing the waters before I attempt...IF I even bother. May wait a year...
I applied two weeks ago online. Didn't get instant approval so I called a few days later. The lady from the credit department told me I was denied because of a delinquency on my account related to my auto loan (which was paid off later). I told her it was a one time late payment and I was getting ready to pay off the whole loan. She put me on hold and came back with an approval. My score with EX is 689.
@altayar wrote:I applied two weeks ago online. Didn't get instant approval so I called a few days later. The lady from the credit department told me I was denied because of a delinquency on my account related to my auto loan (which was paid off later). I told her it was a one time late payment and I was getting ready to pay off the whole loan. She put me on hold and came back with an approval. My score with EX is 689.
Thanks for responding! I may give it a try once I clear the six months. That won't be until July.