99/500 is no longer offered, but you can go for the fully secured card. Or you can try to get pre-approved for the best buy reward zone card, that one seems to be pretty generous in their approvals lately
Can someone update me on this?
My Ex report has two paid collections (one paid in 2/10 the other 10/08) with an aaoa of 1999 and one new credit, my car loan. I do not have anything else other than paid closed old accounts from 2000. I am interested in building now but I am a bit lost. Should I apply for a secured card or the unsecured and hope I get offered the 99/500?
Any help would be appreciated.
If you have a BOA branch next to you I would go there and see if you can open up a secured cc with them you can see if you can get the 99/500 but I doubt it. This is what I did to get my secured BOA card I also opened up a savings account at the same time, placed a minimal amount of money at the time to also build a relationship with the bank. But if no bank is next to you, I would call BOA and see what they can do for you and if they could direct you to where on-line you can fill out an app. Nowadys it is very difficult to find the secured cc app site. Good Luck
Go to bofa.com
Click Credit Cards
Click Build Credit
Thanks for the information. I have a BOA branch conveniently located a block from my job, will pop in there during lunch and see what they tell me.
Really need a card to start rebuilding.