topic Old BOA and US Bank CO's can i get back in? in Credit Card Applications

Old BOA and US Bank CO's can i get back in?

lurkingagain4929 — Mon, 10 Jun 2024 22:33:02 GMT

I have a old credit card from over 15 years ago with Bank of America that charged off i dont remember the amount but it was under 1k. I also had a US bank checking account that charged off due to a divorce; and I owed them under 1k as well and it was also 15 years ago.

What are my chances of getting approved for a BOA secured card or a US bank or Elan secured card? Does anyone have any DPs on either?

Re: Old BOA and US Bank CO's can i get back in?

shadanat — Wed, 12 Jun 2024 19:39:11 GMT

I was able to get back in with BOA in 2021. I burned them for $5800 on a credit card. My cash rewards card had a starting limit of $1,500 and it is still there today. Tried twice for an increase but they said no. I did have a checking account with them.

Re: Old BOA and US Bank CO's can i get back in?

myscoresucks2 — Wed, 12 Jun 2024 20:51:48 GMT

How long between burning them and getting back in???

Re: Old BOA and US Bank CO's can i get back in?

shadanat — Wed, 12 Jun 2024 20:54:38 GMT

Charge off in 2014. It was included in my 2017 bankruptcy.

Re: Old BOA and US Bank CO's can i get back in?

FicoMike0 — Wed, 12 Jun 2024 23:03:04 GMT

Try opening a checking account, if you don't want to waste a credit hp. Of course you'll get a ews hard pull, but won't affect your credit score.

Re: Old BOA and US Bank CO's can i get back in?

FicoMike0 — Wed, 12 Jun 2024 23:07:30 GMT

Usb has a $500 checking sub,

https://www.usbank.com/splash/checking/2024-all-market-checking-savings-offer.html