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Frequent Contributor
Posts: 426
Registered: ‎02-09-2012
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Bank OF America Visa

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...

Slowly building....
Frequent Contributor
Posts: 322
Registered: ‎08-19-2010
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Re: Bank OF America Visa

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.


Frequent Contributor
Posts: 426
Registered: ‎02-09-2012
0

Re: Bank OF America Visa


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.  

Slowly building....
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