Paying a CA in parts does not help your credit. If you can, ask for a PFD and look into a secured cc or the cards mentioned earlier.
Since you were denied Boa....they may send you an offer for the 99/500 card. That is a partially secured card where you pay 99.00 deposit and have a 500.00 credit limit. That is how I got my credit started alittle over a year ago. It's not a card you can request, it has to be offered to you after a denial. Just a thought. 
@snowkitty wrote:Since you were denied Boa....they may send you an offer for the 99/500 card. That is a partially secured card where you pay 99.00 deposit and have a 500.00 credit limit. That is how I got my credit started alittle over a year ago. It's not a card you can request, it has to be offered to you after a denial. Just a thought.
Second that. If you have a negative item on your credit profile, secured credit cards is the way to go. Feel free to check out my blog post on BofA's Cash Rewards secured credit card: http://hiepsfinance.com/2013/05/22/todays-feature-bank-of-america-bankamericard-secured-credit-card-...
