BofA 99/500, quick question

[Anonymous]

Hey, so I apped for a BofA card in high hopes, but was denied, I was actually hoping to get the 99/500. I originally apped for the BofA Student Visa as I am currently enrolled in college (decided to go back to school at 25). Well I read the boards on here and that seems like the card to have as it graduates rather quickly and from what I gather they are really good with CLIs. I read that some people on here got it as a counter offer, and I was wondering at what process of the denial for a regular card was the offer? I already got a denial letter, it was a single paper that said that I got denied to to charge-offs and collections (all paid in early 2008). So I am wondering how I go about getting the 99/500 card now.....can I call a backdoor BofA recon number and see what they say, maybe they can offer it to me or I can ask for it??? Please help.

[SherriLynn]

I apped for the BofA Plat Plus in Sept, knowing I would be declined, but hopeful I'd be counter-offered the 99/500.  Nothing, just a turn-down letter in the mail.  I've read many that have that 99/500 also have a checking and savings acct with them, do you?

[Anonymous]

Yeh I have both, a checking and a savings, but so far nothing

[llecs]

The counter-offer, if offered, would have been enclosed with the denial letter. It could be that a 99/500 isn't available for the student card. You could try to app for a non-student card to see what may come of that.

A checking or savings isn't required.

Message Edited by llecs on 01-02-2009 09:51 PM

[Anonymous]

Do you think that maybe calling a backdoor number and maybe talking to them and explaining that all of my deliquencies are paid, and i have had a perfect history for 10 months now, and then asking if they have a 99/500 card that they could offer me?

[Anonymous]

I applied for the plat plus visa online and got denied but an immediate counter offer for the partially secured card.

[Anonymous]

If you don't mind me asking, how long ago was this and what are your scores?

[Anonymous]

last month, scores 600 even or less

[Anonymous]

So tempted to apply again, but i dont know if I want a second inquiry from BofA, plus i dont know if I would get the offer for sure, I think I might use the backdoor number and call them tomorrow

[llecs]

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andytisk wrote:
So tempted to apply again, but i dont know if I want a second inquiry from BofA, plus i dont know if I would get the offer for sure, I think I might use the backdoor number and call them tomorrow

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As an FYI, you will get nailed for a 2nd inquiry if you had received the 99/500 offer and accepted it.