topic Re: Wanting to apply for BoA CC, have a question in Credit Cards

Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 07:42:24 GMT

Hi just pulled up my credit score and it is 685/670/671. I have a pretty good history with no collections and always paid my bills on time. The only problem is my credit history is pretty short, only about 1.5 years. I already have a CapOne cc withe a $600 cl. I was thinking about applying for a unsecured BoA card, should I even bother? Will I be approved?

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:04:09 GMT

damet wrote:
Hi just pulled up my credit score and it is 685/670/671. I have a pretty good history with no collections and always paid my bills on time. The only problem is my credit history is pretty short, only about 1.5 years. I already have a CapOne cc withe a $600 cl. I was thinking about applying for a unsecured BoA card, should I even bother? Will I be approved?

You should be fine to apply for an unsecured card with them.

Check the button that say's "check for offers"

http://www.bankofamerica.com/creditcards/index.cfm?template=overview

It will be a soft pull and it will show you if you are preapproved for any cards now. If you are opted out, have a fraud alert or security freeze on EX it won't give you anything more than the checking account and secured card option.

Good luck!

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:08:38 GMT

Hmm I tried to do the pre-approval but I didnt get any offers. That's weird. Well I think I dont have any opted out, fraud alert or security freeze. What is an opted out anyways? Should I still try to directly apply for the platnium visa and call them if they deny me? Also does the pre-approval affect ur credit score?

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:15:39 GMT

damet wrote:
Hmm I tried to do the pre-approval but I didnt get any offers. That's weird. Well I think I dont have any opted out, fraud alert or security freeze. What is an opted out anyways? Should I still try to directly apply for the platnium visa and call them if they deny me? Also does the pre-approval affect ur credit score?

People opt out to keep the CR's from selling your info to those who would like to offer credit and services to you.

BoA is well worth the inquiry. There are number's posted in the backdoor number thread should you get the 30 day message and want to call to speak with an analyst. With no baddies and some history going for you, all should be well.

Good luck!

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:19:13 GMT

And no, the preapproval link was a soft pull. It will not affect your score.

The hard pull when you actually apply will ding you a few points.

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:27:20 GMT

I just read another post where you say you are a student. BoA offer's student cards that may well suit you given your short history.

Discover also offers a great student card.

Edited to add Citibanks mtvu card is another good one.

Message Edited by stef37 on 09-25-2008 01:27 AM

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:26:45 GMT

ok i just sent in my visa platnium applicaiton. after processing it, it says it needs a little more time to verify the information. says it will send me an email in a few days with their decision. should i wait it out? or contact the back#?

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:27:25 GMT

hmm true, maybe i should apply for the student one. but im graduating in like 2 months lol

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:29:01 GMT

damet wrote:
ok i just sent in my visa platnium applicaiton. after processing it, it says it needs a little more time to verify the information. says it will send me an email in a few days with their decision. should i wait it out? or contact the back#?

That is not necessarily a decline. You should call (if they don't call you first) tomorrow. If they don't feel you are ready for the platinum plus, ask if they would go for the student card.

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:29:52 GMT

HOLY MOTHER OF GOD. I just checked my email and they reached a decision. I have been approved with a $3000 i repeat $3000 credit line. OMG im so happy

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:30:44 GMT

damet wrote:
hmm true, maybe i should apply for the student one. but im graduating in like 2 months lol

Well, the student cards are a bit easier to get. They are forgiving the fact that you don't have a long history. Discover and Citibank are certainly 2 you would want to add.

I wish I was your age again.

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 22:52:04 GMT

im so happy. BoA seems like such a great card, I'm gonna treat it well. And thank you so much stef for you help. very appreciated

--hauling

Message Edited by haulingthescoreup on 09-25-2008 03:52 PM

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:33:01 GMT

damet wrote:
HOLY MOTHER OF GOD. I just checked my email and they reached a decision. I have been approved with a $3000 i repeat $3000 credit line. OMG im so happy

WOOO HOOO!!!!!!! Congrats!!!!!!

BoA will grow with you, as you may know from reading here. Very nice!!

Now, time to ponder the Discover and Citi while you are still a student. Discover will verify you are actually attending school in order to be approved. But I love them, so don't ask me.

Re: Wanting to apply for BoA CC, have a question

Anonymous — Thu, 25 Sep 2008 08:34:52 GMT

Your welcome. Take care of the card and it will take care of you. BoA is one of the most giving of the big banks. Atleast with soft pulls.

Re: Wanting to apply for BoA CC, have a question

Anonymous — Fri, 26 Sep 2008 19:19:48 GMT

Congrats Damet !! thats a card that will def grow with you if treated nice. I'm kind of glad you did not apply for the student one as it looks that no matter how many times you product change it it will always have the roots that it came from a student card. Happened to me with Student plat plus , took it to Platinum plus MC and one day I called for a CLI and I was told no because the card had reached its max limit...the rep gave me some explaination about the card being originally a student card...currently its a VISA student plus...who knows if it still shows as a student underneath it all. Again Congrats !!!