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