BofA secured card with bk

vtguy25 · ‎07-08-2014

I am wondering if anyone has gotten a bofa secured card after bk and if so how long and did it graduate. I am gardening right now for the next six months but wondering if this would be a way to get in with them beginning of next year? I will be closing one card in feb b4 the annual fee hits and want to replace it with a somewhat prime if at all possible. Right now I have mymilestone card $300 limit 75af and merrick bank secured 300 limit 39af and apple Barclay $2000 and auto loan. So looking for advice for after I'm done gardening. Sorry it's kind of a long post just trying to have a plan of attack I'm making good progress so far sitting at a 660 eq score

bigblue7722 · ‎07-08-2014

If you EQ fico is really 660 you should be able to get cap one QS. You could also try a barclaycard rewards mastercard. Did you burn boa in the bk? I used to like my boa secured but when they would not auto unsecure mine after 12 months of perfect payment history and a lot of usage. They just wanted to HP me again.

AMEX PRG NPSL,Lowes $17000,Capital One venture card $12,000,Us Airways mastercard $9500,Fidelity Amex $9000, Discover it $8000, Capital One Venture One $7500, BOA 123 rewards $7500 CSP $6000, Capital One Quicksliver $5500, Amazon Store card$5000,Barclay
Card Ring $5000 Chase Marriott $5000,Chase Hyatt $5000, Sallie Mae Mastercard $4400, Paypal smart connect $4000,Chase Freedom $3200, Capital one Quicksliver visa $3000, Chase IHG Rewards $2300, Chase Southwest Premier $2000, Citi Double Cash $1500, AMEX BCE $1000

Last app July 22nd 2015- No apps for two years.

vtguy25 · ‎07-08-2014

That's what I was worried about that it wouldn't unsecure it's self. Yes my myfico is reading 660 but capital one hasn't touched me since bk I did burn them not high dollar amounts though but they were charged off before bk so I think that maybe why. But I will try again in 6 months after I garden for a bit. Thanks for your advice

baller4life · ‎07-08-2014

Love BOA. My $300 secured unsecured last month after 6 months. Cli to $1500 then today to $10k. Here are the requirements:

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Bank-Of-America-Secured-Card-Requirements/m-p...

baller4life · ‎07-08-2014

What is your Experian score? That is who BOA usually pulls for new apps.

vtguy25 · ‎07-08-2014

I am at 660 right now. But looks like I prob wouldn't qualify cause I am only 12 months post bk

baller4life · ‎07-08-2014

I thought 660 was your Equifax not Experian. But, if you are only 12 months post, according to their published requirements you wouldn't qualify. Sorry.

vtguy25 · ‎07-08-2014

Sorry didn't read the close enough I don't know what my ex score is. But doesn't matter at this point. Thanks for your information though!

bk510 · ‎07-18-2014

@baller4life wrote:
I thought 660 was your Equifax not Experian. But, if you are only 12 months post, according to their published requirements you wouldn't qualify. Sorry.

i got mine at 2yr post discharge.......