topic Re: Back in with BofA! BBR Approved! $5K in Credit Card Approvals

Back in with BofA! BBR Approved! $5K

SunriseEarth — Sat, 29 Aug 2015 04:00:26 GMT

Since my BK fell off recently, there's really only been one CC that I've had my eye on, and that was Bank of America's Better Balance Rewards. This seemed to be the best BofA product for me, and I was curious to see if I was blacklisted.

Apparently not.

This means I am back in with every lender who was IIB! And I'm very pleased with the initial CL!! I mainly plan on using this for recurring monthy charges, like my Disneyland AP. I also figured if I got a card now and had a first statement in September, I'd have an amount due in October, in time for Q4. Hopefully, I figured correctly.

Time to update my siggy! I'll post later when I find out APR info.

EDIT: I should give some data points. EX08 score is 758, no baddies, 5% overall UTIL, and $44K income.

UPDATE: Card arrived today, 8/28, along with T&C. APR is 15.99% after 12 months of 0% promo. Not too bad

Re: Back in with BofA! BBR Approved! $5K

ddemari — Fri, 21 Aug 2015 06:51:14 GMT

Big congrats to you!!

Re: Back in with BofA! BBR Approved! $5K

Anonymous — Fri, 21 Aug 2015 07:01:23 GMT

Awesome! Congrats!

Re: Back in with BofA! BBR Approved! $5K

Man-Of-Steel — Fri, 21 Aug 2015 07:12:36 GMT

Congratulations on the approval! That must be nice knowing that you are not on the BofA blacklist.

Re: Back in with BofA! BBR Approved! $5K

alextercero — Fri, 21 Aug 2015 08:02:46 GMT

Congrats

Re: Back in with BofA! BBR Approved! $5K

Anonymous — Fri, 21 Aug 2015 11:08:44 GMT

Outstanding! Congratulations!!!

Re: Back in with BofA! BBR Approved! $5K

Anonymous — Fri, 21 Aug 2015 11:23:36 GMT

Congrats! I've sort of been looking at this one next year myself after a few months in the garden.

Re: Back in with BofA! BBR Approved! $5K

taxi818 — Fri, 21 Aug 2015 11:49:31 GMT

@SunriseEarth wrote:
Since my BK fell off recently, there's really only been one CC that I've had my eye on, and that was Bank of America's Better Balance Rewards. This seemed to be the best BofA product for me, and I was curious to see if I was blacklisted.

Apparently not.

This means I am back in with every lender who was IIB! And I'm very pleased with the initial CL!! I mainly plan on using this for recurring monthy charges, like my Disneyland AP. I also figured if I got a card now and had a first statement in September, I'd have an amount due in October, in time for Q4. Hopefully, I figured correctly.

Time to update my siggy! I'll post later when I find out APR info.

EDIT: I should give some data points. EX08 score is 758, no baddies, 5% overall UTIL, and $44K income.

Congrats. Do you have a normal account with them? I'm exactly thinking of this at years end. Or the new year.

Re: Back in with BofA! BBR Approved! $5K

Anonymous — Fri, 21 Aug 2015 13:00:09 GMT

Congrats

Re: Back in with BofA! BBR Approved! $5K

Saleen099 — Fri, 21 Aug 2015 13:17:37 GMT

NICE Congrats!!!!!!

Re: Back in with BofA! BBR Approved! $5K

B335is — Fri, 21 Aug 2015 14:12:37 GMT

Congrats!!!

Re: Back in with BofA! BBR Approved! $5K

9CLINE — Fri, 21 Aug 2015 15:09:35 GMT

Congrats.........

Re: Back in with BofA! BBR Approved! $5K

MissMoni223 — Fri, 21 Aug 2015 15:45:47 GMT

Way to go, CONGRATS!!!

Re: Back in with BofA! BBR Approved! $5K

chalupaman — Fri, 21 Aug 2015 15:47:22 GMT

Congrats Sunrise. Job well done.

Re: Back in with BofA! BBR Approved! $5K

CH-7-Mission-Accomplished — Fri, 21 Aug 2015 15:50:18 GMT

Congrats.

Which were the lenders you have gotten back in with that were IIB? How much were they burned for? Chapter 7? When was it discharged?

Thanks for any info yo can provide.

Re: Back in with BofA! BBR Approved! $5K

Anonymous — Fri, 21 Aug 2015 17:41:32 GMT

Congratulations! This is the only card I really want from BOA - hopefully one day I'll get it too.

Re: Back in with BofA! BBR Approved! $5K

SunriseEarth — Fri, 21 Aug 2015 18:29:05 GMT

@CH-7-Mission-Accomplished wrote:
Congrats.

Which were the lenders you have gotten back in with that were IIB? How much were they burned for? Chapter 7? When was it discharged?

Thanks for any info yo can provide.

I filed Ch 7 BK in October 2005 and it was discharged the following February. I don't recall any specific amounts by lender aside from Discover ($12K across two cards). I had an MBNA card with an $11K CL, but I can't recall if that card was maxed out. Overall, I had about $30K in credit card debt that was discharged through BK. The lenders IIB that I'm back in with were BofA (MBNA), Comenity (WFNNB ), Discover, Synchrony (GECRB), DSNB, and Citibank. I closed AMEX in good standing well before I declared BK. HSBC and Cap One accounts were opened post BK.

Re: Back in with BofA! BBR Approved! $5K

SunriseEarth — Fri, 21 Aug 2015 18:35:14 GMT

@taxi818 wrote:
@SunriseEarth wrote:
Since my BK fell off recently, there's really only been one CC that I've had my eye on, and that was Bank of America's Better Balance Rewards. This seemed to be the best BofA product for me, and I was curious to see if I was blacklisted.

Apparently not.

This means I am back in with every lender who was IIB! And I'm very pleased with the initial CL!! I mainly plan on using this for recurring monthy charges, like my Disneyland AP. I also figured if I got a card now and had a first statement in September, I'd have an amount due in October, in time for Q4. Hopefully, I figured correctly.

Time to update my siggy! I'll post later when I find out APR info.

EDIT: I should give some data points. EX08 score is 758, no baddies, 5% overall UTIL, and $44K income.
Congrats. Do you have a normal account with them? I'm exactly thinking of this at years end. Or the new year.

I haven't had a checking account with BofA since at least 2007 (I left them for my CU). I had a very big problem with how BofA stacked late fees back then. They were my very first checking account, since my parents bank with BofA.

Re: Back in with BofA! BBR Approved! $5K

morgacj2004 — Fri, 21 Aug 2015 21:05:59 GMT

Congrats!!! My BK is almost 3yrs old. I recently got approved for the Bof A Secured Cash Rewards card. Hoping after one year to get it unsecured and then will apply for the AK airlines Siggy.

Re: Back in with BofA! BBR Approved! $5K

YoungJustice — Fri, 21 Aug 2015 21:00:32 GMT

Congrats!