08-09-2008 08:48 PM
08-09-2008 08:55 PM
was it offered online or in a letter?
Mine was mid 500s, a fairly serious baddie (unpaid tax lien- but it’s old- 2003), several lates (more than I can count offhand), messed up student loans, 2 charged off ccs, etc. on the + side, I had other ccs (orchards, first premiers) opened for 1 yr and had not had any baddies since 03. applied for platinum plus and got the 99/500 counteroffer. Can’t wait for it to unsecure b/c it will put me back in prime land- and the land of 4 digit CLs.
08-09-2008 08:57 PM
I know.....I wasn't sure if the op had been offered that card as you can still get denied for it even after they offer it.
08-09-2008 09:00 PM
08-09-2008 09:03 PM - edited 08-09-2008 09:05 PM
Really?I read that on the darkside board....and they were bitching and moaning.....maybe thats why they are the darkside (not as reliable?)
08-09-2008 09:10 PM
Message 34 of 38
Viewed 869 times
Message 35 of 38
Viewed 555 times
08-09-2008 09:18 PM
08-09-2008 10:08 PM
BA 99/500 offer popped up immediately online and then was emailed to me. however, denial for platinum plus letter (received AFTER I already sent the $ for the 99/500) only had the offer for the regular secured. Created a bit of a glitch w/BA (ex., cc arrived w/a 100 CL lol), but in the end, all was solved and I got the 99/500. have had it since late 4/08- ficos have risen 100+ points since applying/getting the cc (though that�s probably due to some old lates falling off, accts aging, getting other ccs like cap 1, hooters, and target). when BA unsecures, the expected CLI will allow me to dump the last of my subprime ccs (orchard), so i'm so thankful i got it.
I burned BA on 2 ccs in my younger/dumber years, but those unpaid chargeoffs had been off my reports for 2-3 years, so apparently BA doesn�t have the memory of an elephant like amex.
btw, check out us bank, wells fargo, or citibank for other good secured ccs that graduate.
08-10-2008 07:07 AM
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.