05-16-2013 12:41 PM
05-16-2013 12:46 PM
If you already have BOFA secured credit card then your socre would be generated after 6 months of credit history. Wait for another 6 months and as mentioned by many user on the forum that your secured credit card would graduate to unsecured on 1 year anniversary. I would apply for CapOne newcomer card after 1 month because the card is for people with limited credit history. I also got approved for the same last month after recon.
05-16-2013 12:52 PM
T-mobile does not do contracts anymore for any of their products so I'm not sure how they can reject you... Unless they still do a credit check for their new Contract-Free services.
05-16-2013 12:54 PM
T-mobile new plan offer phone on monthly $20 installment in most cases. So it is contract without actually saying it is a contract.
05-16-2013 01:22 PM
Don't get First Premier and pay your hard earned money to those loan sharks. Try and get Cap1 newcomers or just give it some time say 6 months and then apply for GECRB store cards. Getting another secured card is anyday better than First Premier. Just look at that insane fees charged by FP.
05-16-2013 01:32 PM
05-16-2013 01:48 PM
05-16-2013 02:08 PM
05-16-2013 02:32 PM - edited 05-16-2013 02:34 PM
From what i remember, Barclays and American Express requires you to be at least permanent resident status to apply.
This is not true. I am on visa and I have AMEX. I am considered as an US resident for tax purpose. Whoever has Social Security Number(SSN) can get AMEX. I didn't had AMEX in my home country. One good thing with AMEX is that if you have AMEX in your home country and if it is in good standing, you can get AMEX in US quite easily. You need to get SSN for that.
However it is true that for BoFA you need to apply in branch as while applying online, in the form it is clearly mentioned that if you or not a citizen or permanant resident, you have to apply in branch. I applied for Chase Freedom online but I didn't see this message. My application got rejected not because of immigration status but short history(just 8 months).
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.