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Bank of America Secured Card

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Creditaddict
Legendary Contributor

Bank of America Secured Card

Declined because of BK????
Message 1 of 9
8 REPLIES 8
Red1Blue
Super Contributor

Re: Bank of America Secured Card

Sorry to hear that. I guess they are getting tough in the Credit Market due to the credit crunch. Did you Try Hooters yet?
Message 2 of 9
Creditaddict
Legendary Contributor

Re: Bank of America Secured Card

I have tried hooters 3 times!
I'm waiting for letter from them right now, they said they would recon. but if anything is still the same they will just decline it again
Message 3 of 9
Anonymous
Not applicable

Re: Bank of America Secured Card

Sorry to hear C.A. These are shaky times for all the ccc's.

Have you considered joining a CU?
Message 4 of 9
Creditaddict
Legendary Contributor

Re: Bank of America Secured Card

I'm a member of one and have a line of credit with them, but there credit card isn't managed by themSmiley Sad
and when I had pretty good credit I was declined so I have not bothered now
Message 5 of 9
Anonymous
Not applicable

Re: Bank of America Secured Card

Hey CA, share.  When did you BK?  What are your scores like?  Hate to hear you got D/Cd.
Message 6 of 9
Creditaddict
Legendary Contributor

Re: Bank of America Secured Card

I chapter 13 April 2007... and I think that's some of my problem with Chapter 13, it remains open until you finish the repayment period.
Chapter 7 as soon as you go to court your done and it closes and the time it stays on your credit starts to click away.
I think my credit is being shafted with this 13 businesses!
My equifax keeps bouncing from 550-612 back and back again... grrr
last pulled experian and tu are in low 500's
 
I have since got my Usbank under 50%
and taken out 3 new cards (starter.. blah)
 
but I think it's just going to take time now to get those scores back especially while still in this 13.
Message 7 of 9
Anonymous
Not applicable

Re: Bank of America Secured Card

Ok that's too recent I think.  BK within a year will put most off.
Message 8 of 9
Anonymous
Not applicable

Re: Bank of America Secured Card

Yes...it generally takes at least two years for a BK to not serve as a "kiss of death" for CC applications these days.
Message 9 of 9
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