I'll just wait patiently. Just like I wait patiently to watch my scores creap up 1 by 1 day after day. Your credit can be ruined in the matter of minutes but repairing it takes years . . . why oh why didn't they offer a credit course in high school or college? Oh, I get it now though . . . anyway, I am just trying to get a few cards to increase my score (after the slight dip) and was hoping for the 99/500 BoA to establish a relationship. Maybe next time! I need to be more patient!
