Reply
Regular Contributor
Posts: 200
Registered: ‎08-08-2007
0

BoA Credit Card Offer search questions

If you do the search for offers on the BoA site and it says you aren't preapproved, there is no need to apply, right? I ask because someone told me they tried the search and was told they weren't approved but then they applied and was approved. Does this sound possible?
 
Thanks!
FICO 9/1/07 FICO 9/26/07
TU--534 TU--538
EX---552 EX---562
EQ---454 EQ---454
Epic Contributor
Posts: 24,709
Registered: ‎10-23-2007
0

Re: BoA Credit Card Offer search questions

depends if you have opted out of offers.
if you are opted in and don't get an offer, then i wouldn't waste the inq, you could possibly get declinded and countered with the 99/500 or fully secured, but if you don't want any of those cards...
Fico Scores: EQ- 670., TU 705 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
88 Cards and Counting :smileytongue:
Regular Contributor
Posts: 242
Registered: ‎07-26-2008
0

Re: BoA Credit Card Offer search questions

[ Edited ]
Hi creditgirl. I have NEVER gotten an offer from BOA's preapproval link, even when my credit scores were recently in the low 700's (right before I killed them by adding 6 new accounts and double that in inquiries).
 
I applied for a second BOA card anyway, this after talking to the BOA virtual assistant, who said that you may still qualify even if there are no preapprovals.
 
So anyway, I applied and was approved for a new card CL @ $1500.00, which they immediately doubled to $3000.00 when I clicked the CLI button.
 
Also right before I applied for the BOA card, I applied for a "preapproved" AMEX card and for a mail offer that was sent to me by Discover. Both those resulted in a denial.
 
I don't know if I looked better to BOA because I have had one of their cards for 1 1/2 years and while often carried a balance (usually 80%), always eventually paid it off.

I think though, that you would probably want a 650 plus score to apply for anything but the secured BOA card. Probably higher than that is better. The virtual assistant did say that they look at more than score when considering applications.

Message Edited by siangirl34 on 09-30-2008 02:20 PM
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.