FIA Card Services seems to be very tough to get

Red1Blue · ‎03-08-2008

Just advice. I have TU 697 and FIA Card Services declined my application. I have one paid collection from 3 years ago. You might want to think before you apply for the FIA Cards so you wont get hit with a hard inq unless you are very sure you would get approved.

Anonymous · ‎03-08-2008

I got a pre-approval in the mail the other day from them.

I laughed as it went though the sheader.

concorduser wrote:

Just advice. I have TU 697 and FIA Card Services declined my application. I have one paid collection from 3 years ago. You might want to think before you apply for the FIA Cards so you wont get hit with a hard inq unless you are very sure you would get approved.

Red1Blue · ‎03-08-2008

About six weeks ago, I got a pre approval from them for a biz card for my biz. I applied for it and they rejected it. I got another preapproval for biz card from them 2 weeks ago. I sent it straight to shredder.

FretlessMayhem · ‎03-08-2008

These guys are in cahoots with BOA aren't they? I applied for some BOA card long ago and got an inq from FIA.

Here we go again...

Red1Blue · ‎03-08-2008

FIA is owned by BOA.

fused · ‎03-08-2008

FIA is a card desk service of BoA and their underwriting is quite stringent. Concorduser, why are you still apping?

Anonymous · ‎03-08-2008

ok fia = boa, but are they seperate or not? when i called about app status for my boa cc they transfered me to a line that answered fia. eventually got the card.

just wondering becuase a cu i'm looking at farms out thier cc products to fia. would they match the boa amex limit? the cu pulls eq, would fia still pull ex like boa, eq like the cu, or tu like they did when i tried to cli?

Red1Blue · ‎03-08-2008

dnm45227 wrote:
ok fia = boa, but are they seperate or not? when i called about app status for my boa cc they transfered me to a line that answered fia. eventually got the card.

just wondering becuase a cu i'm looking at farms out thier cc products to fia. would they match the boa amex limit? the cu pulls eq, would fia still pull ex like boa, eq like the cu, or tu like they did when i tried to cli?

Normally FIA pulls TU. At least here in NH.

Red1Blue · ‎03-08-2008

fused wrote:
FIA is a card desk service of BoA and their underwriting is quite stringent. Concorduser, why are you still apping?

This not a new app I did. This is from a month ago that I apped after my talk with Amex for Delta Card and FNBO about CLI on my Secured Card. No more apping for me.

fused · ‎03-08-2008

dnm45227 wrote:

ok fia = boa, but are they seperate or not? when i called about app status for my boa cc they transfered me to a line that answered fia. eventually got the card.

just wondering becuase a cu i'm looking at farms out thier cc products to fia. would they match the boa amex limit? the cu pulls eq, would fia still pull ex like boa, eq like the cu, or tu like they did when i tried to cli?

FIA pulls EX in Hawaii, just like BoA does. I have found their underwriting to be the same. My old MBNA card was carted of to FIA while my wife's old MBNA card went to BoA. Whenever we talk with either of them I can't tell any difference. They ask the same questions and in the same order. The only difference is when the rep gets on the phone and says Thank you for calling BoA (or FIA card services), This is XXXXX how may offer you excellent customer service today Mr./Ms. XXXXXXX.