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 08:00 PM
I would go for zync now
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 08:21 PM
amex, then bofa
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.
06-18-2010 08:28 PM
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