05-22-2009 07:55 AM
05-22-2009 08:25 AM
05-22-2009 09:45 PM
I sent the letter. Everyone on the phones was saying that's what I have to do... Oh well. It was worth a shot, even sent it priority, so let's see what the decision is. I'm probably not going to count on it, but it was worth a shot.
I know my history isn't that long, but who cares.. I'm 21 years old. Plenty of bancruptcies and bad credit were approved for this 99/500 card. I don't see why they won't. I hope they look at my actual report and the analysis understands what i mean by saying i wanted this card for proper balance of a mix of cards. if not i'll be mad of a wasted inquiry. but what can ya do sometimes. the weird thing is, at the bottom it said send a letter in for reconsideration? What's that bs about, almost seems like it's possible I could get it reconsidered. never seen that in a letter before. Odd.
06-06-2009 07:37 PM
06-06-2009 08:51 PM
Bank of America disgusts me. They are awful. I got denied for the 99/500 secured card as well, or maybe they don't offer that anymore. My credit really is good too, so it was a shock and weird, and that's a shame. **bleep** them! They won't ever get me as a customer, I'll go elsewhere now.
BofA doesn't want me either...but that's okay...from what I've seen recently from them, I don't want them either.
I've never gotten offered any preapprovals on their website either...but, I let it end there and never applied for any of their cards.
I do have lots of other prime cards though...and you will too, eventually. Building credit takes time and patience...you'll get there. Just try not to take the denials personally...it's business.
06-07-2009 11:05 AM
My suggestion would be the BOA secured card if you have the cash to spare. It will unsecure in 9-12 months. You could start with $300 and increase limit during 9 months until it unsecures. The balance deposited will be returned to you as a check when the credit card unsecures and your CL will remain the balance that you deposited assuming your FICO stays the same or improves. Also check out these websites; do some research before your next app.
www.financeglobe.com and www.whogavemecredit.com
Hope this helps on your journey. Your scores are much better than mine and I was approved credit after doing my research first and being selective with my apps. Last card was the Hooters card w/500 cl. But I'm in the no app mode until next year. "Too Much New Credit".
Much Luck to you!!
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