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Member
Posts: 9
Registered: ‎08-16-2008
0

Declined for BoA Secured Card?

I just applied and was declined for a BoA secured card. TU 602, EX 649. Any Ideas?
Valued Contributor
Posts: 1,126
Registered: ‎03-25-2008
0

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.
Member
Posts: 9
Registered: ‎08-16-2008
0

Re: Declined for BoA Secured Card?

Yes, im a member of Pentagon Federal. Arent they credit sticklers?
Frequent Contributor
Posts: 456
Registered: ‎07-09-2008
0

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.
Valued Contributor
Posts: 1,540
Registered: ‎01-29-2008
0

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
Epic Contributor
Posts: 25,173
Registered: ‎10-23-2007
0

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.
Fico Scores: EQ- 670., TU 710 Sync, EX 728 SoFi(05/04/15)
I'm just trying to catch up to RON1
95 Cards and Counting :smileytongue:
Established Contributor
Posts: 610
Registered: ‎08-01-2008
0

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
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