Credit Cards

[nyccc2]

I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."

[aftermath]

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nyccc2 wrote:
I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."

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Overseas robots!

[PurpleHaze]

           That is all the online reps can (and or will) commit to saying.  If they say a certain score (which you have) and then you get denied ... well you know what happens from there.  Plus, people can have higher scores with derogs and negative imformation on their report. What I can tell you is if for some reason you get denied, they are pretty easy to reconn with. I was approved on my first reconn call - others have had to call back 2-3 times. However, it does work with BofA.

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nyccc2 wrote:
I asked what kinds of scores they generally looked for before I applied and got this;

"We will not know if you are approved until you submit your application. The decision is based on your credit history as well as the application information you provide."

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[akhan]

haha I was opening a checking account for the free $75 bonus and asked if it was a hard or soft pull and all I got from the online people was "we access your credit profile when opening an account"

information overload for us lol

[ChaoticKinesis]

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akhan wrote:
haha I was opening a checking account for the free $75 bonus and asked if it was a hard or soft pull and all I got from the online people was "we access your credit profile when opening an account"

information overload for us lol

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Not sure if you already opened the account or not, but they only do a soft pull.

[FretlessMayhem]

I don't think the chat is with an actual person. I think it is keyword recognition software. That's why it can paste a 4 paragraph response to something in less than a second.