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aww look what youve made me do

Valued Contributor

aww look what youve made me do

hearing everyone go on and on about BoA, I just apped for a card with them to take advantage of the 12 months 0% on BTs.
 
As soon as I saw processing . . .  on the page, I minimized it and I don't want to look.
 
I didn't mean to do it!!!

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


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Message 1 of 6
5 REPLIES
Regular Contributor

Re: aww look what youve made me do

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.
 
Hopefully the online service is better.

8/27/10 -
TU FICO 768
EQ FICO 763
EX PLUS 732

Message 2 of 6
Valued Contributor

Re: aww look what youve made me do

great, I got the we need more time message.
 
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...  Smiley Sad

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 3 of 6
Moderator Emerita

Re: aww look what youve made me do

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. Smiley Wink
* 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
Message 4 of 6
Valued Contributor

Re: aww look what youve made me do

but they don't even verify my primary source of income....  lol
 
I have a feeling they would have approved me based solely on my income without the extra $200 a month.  I have never factored that 200 in any previous CC apps.
 
It's saturday now and still no decision.  I may call on Monday if my app status hasn't changed.

Starting Score: EQ: 665 - TU: 687
Current Score: EQ: 749 - TU: ---
Goal Score: EQ: 760 - TU: 760


Take the FICO Fitness Challenge
Message 5 of 6
Regular Contributor

Re: aww look what youve made me do

Dont you mean tuesday?
Message 6 of 6