Credit Card Center Advertiser Disclosure†
05-14-2017 09:33 PM - edited 05-15-2017 04:25 PM
BANK OF AMERICA your history starts to being of immigrants bank those any bank not mortgage them but for now you are rudest bank in this country
i dont know why i tried to apply to secured (secured your credit card money is deposited lol)
in short credit building now and just now saw an pop up add bank of america prequalify just said hiimm lets try hit it and it is came back with secured offer tried for 1k transfer from checking bump DENIED
i cant understand why first say prequalify than denial and cost a hardd inqury
thats really weird
this is must be illegal really
DEAR BOFA AND CAPITAL PLEASE SHRINK OR SETUP THE BEST PREDICTION YOUR PREAPPROVAL THOS CONSUMERS ARE NOT YOUR ENEMY DO NOT BULLY THEM FOR NO REASON
IT IS SECURED CARD YOU ALREADY GET YOUR MONEY RIGHT ?
05-14-2017 09:53 PM
05-15-2017 09:47 AM
The only type of "preapproval" that carries any form of guarantee is if the offer for credit was extended to a consumer based on a listing of consumers obtained from a CRA under the promotional inquiry provision of FCRA 604(c).
Unsolicited offers for credit based on a listing of consumers who have been found to meet the criteria specified by the creditor in their request for the list are required under the FCRA to be a "firm offer for credit," which is defined as an offer that must be met if the consumer then applies and is found to continue to meet the criteria specified in obtaining the listing.
If their offer included the statement that it is based on a listing of consumers obtained from a CRA, it is considered as a "firm offer for credit."
If not, it carries no requried approval offer.