Credit Card Center Advertiser Disclosure

Established Member
Posts: 25
Registered: ‎02-21-2008
0 Kudos

Bank of America Platinum Plus Visa?

I was considering applying for this card.  My experian score is 640.  The other two in the mid 500's.  Do I have a chance?
Moderator Emeritus
Posts: 32,865
Registered: ‎08-04-2007
0 Kudos

Re: Bank of America Platinum Plus Visa?

You have a chance if your FICO EX score is in that range. I appd with a 664 and was denied, but was counter-offered a 99/500. Not a bad card to have.
Established Member
Posts: 29
Registered: ‎11-17-2008
0 Kudos

Re: Bank of America Platinum Plus Visa?

[ Edited ]
You might get a counter offer for the BofA Platinum VISA 99/500.... I got that one, after 9 months it graduates into unsecured , they refund the $99 security deposit and raise the limit to $1000..... Had my card about 5 months....Also got a B of A USAirways VISA unsecured with a $500 CL.... my Fico is 599
Message Edited by clownazonah8r on 12-12-2008 07:38 PM
Regular Contributor
Posts: 208
Registered: ‎10-15-2008
0 Kudos

Re: Bank of America Platinum Plus Visa?

[ Edited ]
with a 640 i would say you have 30\60\10 % chance(unsecured, 99\500, full secured)
Message Edited by hayhayday on 12-12-2008 08:33 PM
Established Contributor
Posts: 709
Registered: ‎04-20-2008
0 Kudos

Re: Bank of America Platinum Plus Visa?

I would say 70% fully unsecured 30% unsecured.


mostly cuz i got the fully unsecured with a 600

"WTB Access Number"
Frequent Contributor
Posts: 335
Registered: ‎04-04-2008
0 Kudos

Re: Bank of America Platinum Plus Visa?

[ Edited ]

I started with the Visa Gold unsecure card back in 2002. Only got 2 CLI from them since.

A couple of months ago I did a product change to WorldPoints, they gave me the WorldPoints Gold.

Last month called to change product again since I have checking account with them, I asked for the BankAmericard that offers 1/4 more points. I received the card yesterday and it is the BankAmeriCard Platinum Plus Visa (with a lousy $800 CL).

I think they don't have a Gold version of the BankAmeriCard so thats why they gave me the Platimum Plus.  You have to bank with BOA to be eligible for the BankAmeriCard.  


You could probably try getting the 99/500 for starters and upon graduation, do a product change. BOA is pretty good with product changes. Best of all is you keep the same tradeline.



Message Edited by Solarjuju on 12-13-2008 08:46 AM
Regular Contributor
Posts: 187
Registered: ‎01-20-2008
0 Kudos

Re: Bank of America Platinum Plus Visa?

You'll probably be denied for the normal card but get offered the 99/500 Card like the others here are saying.


It's a good card and BoA is pretty generous with their CLI, you should go for it.

8/27/10 -

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.