You may be able to call BofA and request the account be taken back so you can pay them in full. I havent heard of this working all the time but it has in the past.
When it comes to your credit card question, there are a few things that need to be addressed. Do you have any baddies? Are they recent? what is your debt to income ratio? Annual Income? These are all things to take into consideration when applying for a new card.
Cap1 is generally pretty good about approving cards to sub-prime credit (I am not saying you are sub-prime, jsut explaining). Since you were denied, you can recon through their EO office or by simply messaging their facebook. Anything sent through their facebook will be escalated to their EO. I have gotten what I wanted each time I sent them a facebook message.
Are you able to join a local credit union or any other CU? Once a member of a CU it can be much easier to get a credit card through them. Plus, they traditionally offer better rates than large banks. I am in he process of joining Navy Federal CU for this reason (future auto loan).
With not a great credit history, Citi can be hard to get approved for without a high annual income and higher CL's on other accounts. I would avoid them for now and Recon with Cap1. Keep in mind, with every CC app comes a HP. Too many HP's in a short period makes the lender worry that you are a credit risk.
