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Established Member
FinallyBetterCredit
Posts: 14
Registered: ‎12-06-2012
0

Bank of America 30 day message?

So let me start by saying thanks wealth of knowledge everyone of you provide on a daily basis. This is my first post by the way. Some background info.
November: applied for Amex BCE approved 2000, Citi Diamond Preferred approve 1000, Lowes approved 800, Usaa World Mastercard approved 10,000. I knew I was pushing my luck but decided to apply for the Bank of America Visa Signature Rewards. I got a 30 day message. Was wondering which was this usually goes? My Fico on score watch is 676 and my utilization is not high. AAOA is about 2 years. I have 8 inquires. I have never done a recon and all approvals have been instant. Anyways is the BOA 30 day message bad? Do I have a shot? Thanks
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Bank of America 30 day message?

[ Edited ]

Call  877-721-9405 (App Status - Choose Option 3) and find out!



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Established Member
FinallyBetterCredit
Posts: 14
Registered: ‎12-06-2012
0

Re: Bank of America 30 day message?

Called and got response that application was still under review by card services... Guess I will just have to wait and see.
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Bank of America 30 day message?

[ Edited ]

Call the recon number and ask them if you can help them approve you...1-800-354-0401 or credit analyst 800-718-6072.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Established Member
FinallyBetterCredit
Posts: 14
Registered: ‎12-06-2012
0

Re: Bank of America 30 day message?

Well thanks for your help.. Denied! Too many new inquires and two baddies from 2007. The credit analyst was helpful and nice.
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Bank of America 30 day message?

No problem, just keep on building good credit and BofA will be begging for your business!



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Valued Contributor
rootpooty
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Bank of America 30 day message?

You were able to get approved with citi, amex, and USAA with those baddies?
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Established Member
FinallyBetterCredit
Posts: 14
Registered: ‎12-06-2012
0

Re: Bank of America 30 day message?

Yes.. But have perfect credit since then. Paid two cars in full and a home. My wife just got a discover more with like 8 bad trade lines. I guess the income comes into account as well.
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Established Member
FinallyBetterCredit
Posts: 14
Registered: ‎12-06-2012
0

Re: Bank of America 30 day message?

Well I have an update... BOA just called me and told me I have been approved after telling me two days ago I was not approved. Has anyone ever seen this?
USAA World MasterCard 10000, American Express EBC 2000, Citi Diamond Preferred 1000, Chase Freedom Visa 1500, Lowes StoreCard 800,USAA Classic Platinum MasterCard 500, BOA 123 Visa 1000
Your FICO® score at Equifax is
676 as of December 6, 2012
Established Contributor
scenery_guy
Posts: 936
Registered: ‎07-24-2012
0

Re: Bank of America 30 day message?

That's awesome. It does happen and YOU are one of the lucky ones. Way to go!


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