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Congrats on the unsecured card, javajunkie!
Count your blessings with that one card for now, and treat it well! Let it gather some good history before app'ing for other cards. Patience pays.
@Anonymous wrote:
I'm in the process of rebuilding my credit. I applied for a CC through Orchard Bank figuring that they would give me a secured card. Well, the card they offered me is an unsecured one. I also applied with BofA hoping to get the 99/500 card but when they ran my info it came back as not enough info or something?
You say you're rebuilding your credit...did you ever burn BOA or MBNA? I ask because when I go to the BOA site to check for pre-approvals I get a message similar to the one you received. Years ago I had an MBNA account go bad and I'm sure BOA remembers and will NEVER offer me any of there cards.
I may be wrong, but I'd advise you to wait, let your new card age a bit, try the pre-approval site again, or apply for a different card altogether.
MBNA, for all intents and purposes, is now FIA Card Services, which handles the BofA cards.
MBNA used to be the provider for Wachovia, too.
Actually BofA evaluates your credit and score, plus their own "history" with you. If you remain on their internal database, it does affect your credit worthiness with BofA if linked up.
So, don't let the Chexsystems thing fool you.....if you had a bad checking within the past 5 years, it will affect how BofA treats you, especially if it was not settled/paid. I know from experience.