06-18-2010 07:43 PM
So I know I have been starting a lot of topics lately, but has anyone dealt with this card? I'm planning to go for this card in August, when many many inquiries will reach 6 months on my credit report. (My experian will be at 2, which is what BofA pulls). Reason being, though I love Citibank, there's word they are pulling out of Philadelphia and Boston (anyone have more information on this), which are the two places I live. Their presence here in south NJ is already pretty bad, and BofA has many more branches around where I live. I imagine my scores would be close to the 700s by this time, and I would like to open this card with them (unless I can be sure Citi is going to stay put), and potentially start moving money back to BofA.
And then I would go for my Zync in December.
06-18-2010 08:01 PM
I got declined Zync two weeks ago....
06-18-2010 08:04 PM
wow, why did they say... a friend recently applied with no credit score and the decline simply said he needed 1 account and a credit score to be approved... I figured as long as no baddies, they were a go these days
06-18-2010 08:12 PM
See I applied for Blue, and got denied for a plethora of reasons. I asked for a reconsideration for Zync, and supposedly it was reviewed and denied by a superior account manager (the online thing says cancelled). I'm thinking I may just re-apply for it in a month, as they probably didn't really review it.
06-18-2010 08:14 PM
yes with amex, I always recommend for charge card first than go back later and apply for credit cards
06-18-2010 08:20 PM
So should I go for this BofA card before or after I go for the Amex? I just got a Citi Forward, and I closed my BofA secured after 3 months.
06-18-2010 08:27 PM
Ok, well let me ask this. I was denied Chase +1 card as well. My current Inquiry count is:
3 TransUnion (5 more over 6 months)
I hear of people here with scores in the high 600s that have 10-15 inquiries on each report. Would it kill me to app spree tomorrow and go for
BTW, thanks for the input.
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.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com 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.