Reply
New Member
Chups
Posts: 7
Registered: ‎07-20-2013

BoA secured card - adding an AU

I have a secured card from BoA with a $1000 limit. I got it about 3 months ago, I always pay in full and when my utilization exceeds 9% I make intermediate payments.

I have a friend with horrible credit, c/o's, collections. She tried to apply for a secured BoA card and she was denied. I'd like to help her by adding her as an AU.

 

My questions:

 

1) Could BoA deny my request to make her an AU (either because of her credit or because the previous denial by BoA)

2) Would it hurt my chances of "graduating" to a regular card?

 

I'm a foreign national, I do not live in the US. I do not have a SSN. Maybe that by itself would prevent me from graduating to an unsecured card, I don't know.

Moderator
09Lexie
Posts: 24,404
Registered: ‎09-13-2012

Re: BoA secured card - adding an AU

New Member
Chups
Posts: 7
Registered: ‎07-20-2013

Re: BoA secured card - adding an AU

I am going to transfer more money to my checkings at BoA and I think I'll open up a savings account with them as well, Im hoping that would make me a more valuable customer in their eyes. I applied for 1 2 3 rewards yesterday on my secured card, cs rep reviewed my account and told me I'll get a new card in 2-4 weeks with the awards added. I guess I'll be doing a little more spending with that card :smileyhappy:

New Member
Chups
Posts: 7
Registered: ‎07-20-2013

Re: BoA secured card - adding an AU

Anyone?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+