Reply
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

Bank of America Platinum Student Card

Hi,

 

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.  

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Bank of America Platinum Student Card

I would go for zync now

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

Re: Bank of America Platinum Student Card

I got declined Zync two weeks ago.... :smileysad:

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Bank of America Platinum Student Card

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

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

Re: Bank of America Platinum Student Card

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.

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Bank of America Platinum Student Card

yes with amex, I always recommend for charge card first than go back later and apply for credit cards

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

Re: Bank of America Platinum Student Card

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.

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Bank of America Platinum Student Card

amex, then bofa

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010

Re: Bank of America Platinum Student Card

Ok, well let me ask this.  I was denied Chase +1 card as well.  My current Inquiry count is:

 

3 Equifiax

4 Experian

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

Zync

Discover Student

BofA Student

 

BTW, thanks for the input.

Mega Contributor
Creditaddict
Posts: 18,807
Registered: ‎10-23-2007

Re: Bank of America Platinum Student Card

1.discover

2. zync

3. bofa

Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+