I had a horrible experience with trying to get a card from BoA. The incompetence of the people working at their branches really tried my patience as they somehow managed to screw up my application or failed to submit it three times.
Then of course, when the card arrived, they had mis-spelled the name on the card and I had to call their phone support to get a new card sent.
It asked for employment status, and I was tempted to put employed, since I am employed part time during school, and full time every other semester, but it said if you are a student you should list that as your employment, so I did.
Also it asked for net monthly income and I included the $200 a month my mom sends me, which I now regret, because they asked for a parent/guardian's name and phone number. I hope they don't call her to verify that. What business does BoA have asking for a parent's phone number for an adult in his 5th year at college. I am employed long and short term, and I wish I just neglected that on the application...
I guess I have to call my mom tomorrow and tell her to expect a phone call from BoA...
DD#2 isn't co-oping, but when she app'd with them, she listed her income plus mine. My contact info got taken. BTW, she also got the 7-10 day message, but she was approved.
I asked if they could add me as being allowed to talk to them about the account, as she was headed out of the country, and they said "Sure!" Turned out, that made me an AU, and they do report to the AU's reports, which dropped my score for having yet another new account. So I hopped back off of that one.
It seems reasonable to me that they would contact a source of additional income. Otherwise, I'll just go ahead and list an extra income stream from Donald Trump or Warren Buffett on my next app.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit? FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007