BofA Credit Card Application

[athan12]

It's  been 2 weeks since I applied for my BofA credit card, and I havent gotten anything in the mail yet. I even tried calling the backdoor number (option 3) and they always say "your application is still under review"

Does anyone has any other numbers to call? or does anyone know a reason why its taking so long.

[DaveSignal]

They are doing a manual review of your credit file.  619 doesn't seem high enough, but maybe they will make a counter-offer.

[athan12]

623 btw, lol idk if that makes any diff lol

[2FixMyCredit]

Email the CEO office, be sure to include a contact number  but don't put any personal info (Social security number) in the email.  You will get a call shortly after.

I was approved for their card after speaking with the someone there from contacting via email and my score EQ is sitting at 580 with a charge off on my report.

[mnavas]

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@athan12 wrote:

It's  been 2 weeks since I applied for my BofA credit card, and I havent gotten anything in the mail yet. I even tried calling the backdoor number (option 3) and they always say "your application is still under review"

Does anyone has any other numbers to call? or does anyone know a reason why its taking so long.

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BofA is a tough lender, i don't think you'll get approved with that low score....

[sengpatt]

I think a BofA secured card could be a good fit for the OP . You can add 1-2-3 rewards to it and it unsecures after a year (and, many times, earlier than that). With that, OP can get the satisfaction of getting a rewards card now, while also building history and laying the groundwork for even better cards from prime lenders in the future.

[athan12]

Can you tell me the email of the CEO office?

[athan12]

Nvm. I called the backdoor number again and I got denied. How do I know if I get a counter offer or not? Should it say on the backdoor number when they tell me I'm denied or I will find out when I get the letter in the mail?

[athan12]

bump

[DaveSignal]

If you called and talked to someone and got denied twice and they didn't offer any other card instead, then you didn't get a counter-offer.  620 is too low for most cards that cater to the prime market.  You could ask different lenders about secured cards, or possibly try for a sub-prime to help build history for 6 months.

I don't have experience with an exceptionally high FICO, but I can say that I had a lot of trouble getting cards that I wanted until my scores were in the 680+ range.