04-13-2011 07:45 AM
I really want a Bank of America Card but I see they don't have a pre approval link anymore and I'm not sure which of their cards would actually fit my situation, not a huge fan of wasting an inquirie to find out my credit still is not high enough.
With the information below, does anyone have any advice for a card that would grow with me, more so hoping for a card with a limit $1000 or above as most of mine are $350 - 1000 now. All input is appreciated
Okay so quick background:
I'm 24, received 2 credit cards at 18 for $1000 limits each and then a third $2000 limit the next year, had great credit until 2007 where being a college student took me down the bad credit path. The last year and a half I have managed to come up from some terrible scores and this month I decided to go a little more forward and establish some sound credit that I am happy to have. This last week I've applied for and received:
Bestbuy Reward Zone MC
Wal Mart CC
Capital One Cash Rewards 0% APR
I already have:
JC Penney $1000 limit (2005)
Orchard Bank $350 Limit (2009)
First Premier (Centennial Bank) $250 limit (2009)
Ford Credit Auto Loan $20,000 (2010)
Student Loans Various Banks $33,000
Unfortunately, I do still have a judgment from 2008 which I am working to have vacated (I work for a prosecutor), 1 collection (paid), and 3 CO's from 2007 paid.
My scores are TU 620 EX 626 EQ 620
Not amazing but like I said, I turned those around in roughly a years time having a lot removed from my reports thanks to this forum.
04-13-2011 08:10 AM
Thank you, I was actually considering the credit union where I'm from since they are advertising 7.9% for their card right now.
I graduate next month and then I'll be in law school in the fall, another reason I was looking around was to establish a relationship with a bank or credit union so that I could have financing options for my law school loans.
I was working until the company I was with severenced me out so technically I am in school but I also have a fixed income.
04-13-2011 09:11 AM
Bank of America has a MyOffers Center. When I am on my Accounts Overview page, there is a link partway down that says View your Special Offers. I think the link is also available from the Customer Service Tab. Whenever I click on it, the offers appear to be very generic even though it claims that the offers are "Just for You." It tells me to add a credit card to take advantage of Add It Up, but it doesn't look like a preapproved offer. Until very recently, I was carrying a fairly large balance on a closed card, so I have always assumed I wouldn't have any preapprovals from them anyway. Perhaps others can speak to whether the Offers Center includes preapprovals.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.