Rebuilding Your Credit

[intherightdirection]

Well, I applied for a B of A Secured cc 2-3 weeks ago and got the 7-10 message. I've checked the status of the app online a few times and it kept giving me the same exact message.

Assumed denied, but then $300 got debited out of my checking account from them yesterday. Guess it was approved, but it's weird how there is zero communication. And that they collect your banking info before they approve you... strange.

I'm happy to get it though because from what I've read on the boards, it's a good one to have. Hoping it will go unsecured in a year.

FY, if you get the msg, it doesn't necessarily mean you've been declined.

[sphinx313]

This same thing happened to me with US Bank, they actually overdrew my checking account because when I was seemingly "denied" I applied for another secured card and was approved, then they approved me like 6 days later and took the money lol. It was a mess but all taken care of. I am still considering getting a BoA, maybe in a few weeks. Congrats!

[NY_Beauty]

Did BOA do a hard or soft pull?  Wondering how they handle their own.  :-)

[HiLine]

Congratulations anyway! Make sure you have the Bankamericard Cash Rewards program attached to it. With the cash back structure, this is the best secured card on the market right now.

[intherightdirection]

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HiLine wrote:

Congratulations anyway! Make sure you have the Bankamericard Cash Rewards program attached to it. With the cash back structure, this is the best secured card on the market right now.

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Thanks! Is this something I need to call and ask for? I don't remember it saying anything about this when I applied.

[intherightdirection]

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sphinx313 wrote:

This same thing happened to me with US Bank, they actually overdrew my checking account because when I was seemingly "denied" I applied for another secured card and was approved, then they approved me like 6 days later and took the money lol. It was a mess but all taken care of. I am still considering getting a BoA, maybe in a few weeks. Congrats!

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This is similar to my situation. I wasn't expecting the debit as I thought it was denied. A little communication would have been nice.

[intherightdirection]

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NY_Beauty wrote:

Did BOA do a hard or soft pull?  Wondering how they handle their own.  :-)

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So far, it hasn't shown up as an inquiry which surprised me, so I guess a soft pull.... But, I'll let you know if it shows up.

[HiLine]

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intherightdirection wrote:

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HiLine wrote:

Congratulations anyway! Make sure you have the Bankamericard Cash Rewards program attached to it. With the cash back structure, this is the best secured card on the market right now.

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Thanks! Is this something I need to call and ask for? I don't remember it saying anything about this when I applied.

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If they didn't mention, you probably did not get the Cash Rewards version. A simple call will correc that for you.

[rootpooty]

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intherightdirection wrote:

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NY_Beauty wrote:

Did BOA do a hard or soft pull?  Wondering how they handle their own.  :-)

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So far, it hasn't shown up as an inquiry which surprised me, so I guess a soft pull.... But, I'll let you know if it shows up.

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check with EX for the initial pull then they will start softing TU like crazy then they pull TU for unsecure review

[intherightdirection]

Update:

B of A is reporting to all 3 bureaus already.

They are reporting as Secured.

I still have not received the card.

Posting this for others who app for the card so you know what to expect...