BofA said I need established 'real' credit cards...?

[austinguy907]

*COUGH* Go to CU!!!  

Do you really need a $500 limit?  Would you like to get 4.09% APY on your checking?  

http://www.depositaccounts.com/checking/reward-checking-accounts.html

[clocktick]

Because with a mortgage they have collateral.  With a credit card, if one doesn't pay, they have nothing. 

I've had BOA accounts for years and always got turned down for a credit card from them until yesterday.  They finally gave me one but I had to wait until every single negative thing was off my report (yes, that took a while ).

[gettingstarted]

Thats what I did I used my rebuilder HSBC Card until my last baddie fell off and as soon as it did my credit scores jumped and I was able to get 4 nice prime cards and my score has leveled off for now in the 730's until I get some age on the new cards.