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BoA Denied Secured Card. What's next?

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BadCredit706
Member

BoA Denied Secured Card. What's next?

Capital One has a C/O on my report so I'm kind of nervous with them.

Orchard Bank looks closed or something. 

 

I'm running out of hope and ideas as of right now. I most likely am going to pay the Macy's C/O and call it quits but I think the Cap One may be removed in January because I disputed it after calling them and them having no idea of the account. 

 


Starting Score: 527 12/16/2012
Current Score: 527
Goal Score: 700


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Message 1 of 40
39 REPLIES 39
starry1
Valued Contributor

Re: BoA Denied Secured Card. What's next?

Do you have a reason for the denial? That might help to narrow down who else might deny you. Have you checked whogavemecredit?

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 1/22/15 TU 645; EQ 605; EX 633 New goal 675
Cap1 sec $1k (SD) / Fingerhut $2k / Flagship $12k / cashRewards $12k / NavChek $15k / Amazon $2k / Von Maur $1k / Firestone $2.2k / BCU $3k / NFL $1k / QS1 $750 / Target $400 / PPSC $800 / Conoco $700 (last app 09/29/14)
Message 2 of 40
BadCredit706
Member

Re: BoA Denied Secured Card. What's next?

No I have not and I haven't recieved the letter yet why. I'm guessing from past checks it's due to inquires and missed payments.


Starting Score: 527 12/16/2012
Current Score: 527
Goal Score: 700


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Message 3 of 40
pineappledaydreams
Frequent Contributor

Re: BoA Denied Secured Card. What's next?

First progress, applied bank, wells Fargo.
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


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Message 4 of 40
pineappledaydreams
Frequent Contributor

Re: BoA Denied Secured Card. What's next?

Try a local cu, or your bank. PNC bank?
On my phone apologies for the errors.



Starting Score: 501 EX FAKO
Current Score: 745TU Fico
Current Score:714EQ Fico
Current Score: 742 fico


Take the FICO Fitness Challenge
Message 5 of 40
fishbjc
Senior Contributor

Re: BoA Denied Secured Card. What's next?

Nfcu perhaps?

Message 6 of 40
Jess421
Contributor

Re: BoA Denied Secured Card. What's next?

I have a charge off from Capital One that is only about 2 years old.  I was able to open a secured card with them about 4 months ago.  It is worth a shot to apply. 


Starting Score: CK 519 FICO 498
Current Score: 2/26/13 FICO 590 TU FAKO 639
Goal Score: 650


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Message 7 of 40
sudofdisk
Valued Member

Re: BoA Denied Secured Card. What's next?

My first step was secure card from US Bank, my credit was pretty bad when I got it.

Message 8 of 40
rightcoast
Frequent Contributor

Re: BoA Denied Secured Card. What's next?

Who do you currently Bank with? I started off will a Wells Fargo Secured they were my bank at the time. CREDIT ONE BANK has a pre-approval. You might could try them so you don't get any hard pulls


Starting Score: 530 (EQ) 03-2012
Current Score: 678 (TU) myFico 04-2013, 649 (EQ myFico
Goal Score: 720+

Wallet: Wells Fargo Secured- 400 CL, Capital One Secured- 250 CL, Credit One Unsecured- 300 CL
Message 9 of 40
BadCredit706
Member

Re: BoA Denied Secured Card. What's next?

I bank with Pelican State Credit Union. I appreciate all the responses! I can't thank enough! I'm going to try my CU when I go back to Louisiana and if they don't work with me cause I'm not sure they have a secured card I am going to try all options offered after researching each individually. I honestly never though me putting my money up could still be denied.

Starting Score: 527 12/16/2012
Current Score: 527
Goal Score: 700


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