Credit Card Center Advertiser Disclosure

Established Member
Posts: 14
Registered: ‎08-15-2008
0 Kudos

BoA graduation... and then denial.

Hey guys,


I've had my BoA fully secured for over nine months now, and I called the other day and they unsecured it with the standard $500 CLI from $800 to $1300. I asked if I could upgrade to another card without an annual fee and they said I'd have to have a CL of at least $2000 and they couldn't raise me that much right now. The guy transferred me over to the new application line because he recommended that I just get a new card with no credit limit. No go. I was denied for two different cards.


Last time I checked my scores (maybe a month and a half ago?) I was just about 700. These were my first apps in eight months. No baddies, decent utilization. Short history though. The secured card was my first card, and I got a Capital One card about a month later. I'm also a full-time student so I have very little income from my seasonal job.


Should I try to call BoA back for a recon, or is it not worth it? If so, what number should I call? I tried a couple on the backdoor numbers thread and they only handled exsisting cardholder issues, not recons on denials.




Epic Contributor
Posts: 29,450
Registered: ‎10-23-2007
0 Kudos

Re: BoA graduation... and then denial.

you should always call BofA for recon.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.