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Does Bank of America blacklist?

Valued Member

Does Bank of America blacklist?

Hello all, I've tried getting a boa cc a couple of times now without success.  My scores are as follows TU 647, EQ 637, EX 636.  I can't even seem to get the 99/500 cc Smiley Sad
 
Any suggestions?
 
Thanks
10 REPLIES
New Contributor

Re: Does Bank of America blacklist?

That's odd. I was instantly approved for a 99/500 card and my EQ,TU in the high 500's EX in low 600's. So I would imagine that since your scores are higher than mine, by a decent bit too, that you should have been approved as well. I'd maybe call or email for a reconsideration...
Valued Member

Re: Does Bank of America blacklist?



Savings321 wrote:
That's odd. I was instantly approved for a 99/500 card and my EQ,TU in the high 500's EX in low 600's. So I would imagine that since your scores are higher than mine, by a decent bit too, that you should have been approved as well. I'd maybe call or email for a reconsideration...


Where did you apply for the card??? Do you have a link to the app?? Because when I went to the pre-approval link I thought I would have at least got offered the 99/500...but I was only offered the secured card (which you have to deposit upwards of 300).  Thanks in advance
Valued Member

Re: Does Bank of America blacklist?


That's the link that I used and I was only offered the Secured Card.  It asked for a deposit upwards of $300.  Would it say 99/500??
Valued Contributor

Re: Does Bank of America blacklist?

I was also offered boa secured card. I just got it. How long I should wait and call them to change it to unsecured credit card?
Thanks
 
Senior Contributor

Re: Does Bank of America blacklist?

Guess it ain't just me. I too only got offered secured.
 
Either it ain't working, or it only works during business hours, or it's working and we're just on their S***-List.
Moderator Emeritus

Re: Does Bank of America blacklist?



oracleicom wrote:
Hello all, I've tried getting a boa cc a couple of times now without success.  My scores are as follows TU 647, EQ 637, EX 636.  I can't even seem to get the 99/500 cc Smiley Sad
 
Any suggestions?
 
Thanks


So did you have an account with them that you defaulted on?
New Contributor

Re: Does Bank of America blacklist?

I think you have to actually apply and be denied. Sacrifice the Hard Inq to get the 99/500 offer. That's my understanding anyway. I talked to one of the BoA intant chatting ppl and that's what she told me anyway. That you have to apply and be denied. No account with them is necessary, but there is no special link or page for the card. I don't believe you can be pre-approved for it either. If it's worht it for you, like it was for me. Take the Inq hit and you should be offered the 99/500 card. Good Luck!
Frequent Contributor

Re: Does Bank of America blacklist?

Bank of America is weird.  I have their card and I am not happy withthem.  Their customer service sucks!
 
You can select credit cards and such for pre-approval codes.  It's online and free and you don't get a hard inquire!  That way you can check to see if you qualify for any othe their cards. 
 
You can also do this with speigel.com.. Select your account, then look for pre approval codes.  It's a easy way to see if your scores are high enough for credit approval. 
 
I am looking for other companies I can do the same thing with. Let me see if I am approved without running my credit.
 
 
AMEX GOLD-No Pre-Set Limit, AMEX Blue-$25K, AMEX Clear-$25K, AMEX Optima Plat-$25K, Sam;s Club $10K, Cap One $6K, Citi Plat.-$11K, Discover More -$10K, Columbia Bank-$9K