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Valued Contributor
Posts: 1,278
Registered: ‎05-13-2010
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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.  

BofA Cash Rewards VS - $10k/9.99% | Citi Diamond Preferred - $12.1k/11.99% | Amex BCE - $12.6k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

Re: Bank of America Platinum Student Card

I would go for zync now

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 1,278
Registered: ‎05-13-2010
0

Re: Bank of America Platinum Student Card

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

BofA Cash Rewards VS - $10k/9.99% | Citi Diamond Preferred - $12.1k/11.99% | Amex BCE - $12.6k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 1,278
Registered: ‎05-13-2010
0

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.

BofA Cash Rewards VS - $10k/9.99% | Citi Diamond Preferred - $12.1k/11.99% | Amex BCE - $12.6k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

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- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 1,278
Registered: ‎05-13-2010
0

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.

BofA Cash Rewards VS - $10k/9.99% | Citi Diamond Preferred - $12.1k/11.99% | Amex BCE - $12.6k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

Re: Bank of America Platinum Student Card

amex, then bofa

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:
Valued Contributor
Posts: 1,278
Registered: ‎05-13-2010
0

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.

BofA Cash Rewards VS - $10k/9.99% | Citi Diamond Preferred - $12.1k/11.99% | Amex BCE - $12.6k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $19k/11.99%
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

Re: Bank of America Platinum Student Card

1.discover

2. zync

3. bofa

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
67 Cards and Counting :smileytongue:

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