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Declined for BoA Secured Card?

Declined for BoA Secured Card?

I just applied and was declined for a BoA secured card. TU 602, EX 649. Any Ideas?
Message 1 of 7
6 REPLIES
Valued Contributor

Re: Declined for BoA Secured Card?

Are you a member of a credit union? You may be able to get an unsecured card if you print out your EX report and bring it in.
Message 2 of 7

Re: Declined for BoA Secured Card?

Yes, im a member of Pentagon Federal. Arent they credit sticklers?
Message 3 of 7
Frequent Contributor

Re: Declined for BoA Secured Card?



fallingwaterinc wrote:
I just applied and was declined for a BoA secured card. TU 602, EX 649. Any Ideas?




Call the backdoor reconsideration number listed on the stickies and talk to them about it. Do you have a BK showing on your credit reports? They are very BK unfriendly...even for their secured cards.
Message 4 of 7
Valued Contributor

Re: Declined for BoA Secured Card?

Hi, this may not be true I had a BK from year 99 i was approved for a secured card from BOA 9/07 score at that time around high 500's low 600's i applied $300.00 at the time then later on added another $200.00.  I paid on time and in 9 months my card graduated to regular platinium card with a cli of $500.00 and i still have a BK on my credit reports.  This is a very good card if you treat it right, I really would call the reconsideration department and convince them to give you this card, it is a really good card for the rebuilding stage.  Good Luck Hope you get it.

Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 5 of 7
Epic Contributor

Re: Declined for BoA Secured Card?

you have to be 1 year from any baddies, bk, etc.
took me 4 times with backdoor number to finally get approved.
Message 6 of 7
Established Contributor

Re: Declined for BoA Secured Card?

Odd... I got approved with the scores below.
08/01/2008 - 472 EQ; 523 TU; 454 EX
03/01/2009 - 574 EQ
08/08/2009 - 648 EQ
01/27/2010 - 671 EQ
07/04/2010 - 713 EQ
01/05/2011 - 730 EQ
05/14/16 - 762 EX
Message 7 of 7