topic Re: Another BOA Question in Credit Cards

Another BOA Question

Anonymous — Fri, 26 Oct 2007 00:18:40 GMT

What is the lowest score Bank of America will accept and still grant you a secured credit card?

Before I apply and have my credit pulled, do you think they will grant me with a fico of 571 (equifax) and say a $500 deposit?

- Chris

Re: Another BOA Question

fused — Fri, 26 Oct 2007 00:22:37 GMT

Do you know what your FICO EX score is?

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 00:24:25 GMT

EX. No I do not.

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 01:13:46 GMT

BOA has pulled Experian on me for everything, tho I have heard tell that some folks have had them pull TU. You might want to check that EX score if your going to app with BOA

Van

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 01:20:02 GMT

Do I really need to pull my scores? is it hard to get a secured card from BOA?

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 01:34:27 GMT

I hear tell that if you just apply for a BOA card and get turned down they will counter offer a 99/500 card. Do a quick search on the boards for 99/500 and you'll get a bunch of hits explaining all about this card.

Van

Re: Another BOA Question

haulingthescoreup — Fri, 26 Oct 2007 04:12:25 GMT

@Anonymous wrote:
Do I really need to pull my scores?

It's handy to know your FICO scores before you app. Sometimes there's a big difference among EQ - EX - TU, even when you're looking at all FICO scores. If your EX score is a lot lower than the EQ for some reason, you might save yourself a wasted inq. If it's higher, there might be some more options for you out there.

Be sure to use a discount code, no matter how many scores you're pulling. There's a new poster giving this one: FICO6090 (no spaces, all caps) You can also Google them.

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 07:26:46 GMT

They pulled Experian for me too.

Re: Another BOA Question

Anonymous — Fri, 26 Oct 2007 16:28:11 GMT

EXP for me too.

In late Sept, I applied for their Visa Platinum Plus. Denied. But they counter offered with their partial secured Visa Platinum, the 99/500 one, and got accepted.

I THINK these were approximately, maybe, perhaps my scores at the time of app'ing:

9/14/07
TU: 676
EXP: 665
EQ: ?

Re: Another BOA Question

fused — Sat, 27 Oct 2007 01:42:57 GMT

cspar1212 wrote:

Do I really need to pull my scores? is it hard to get a secured card from BOA?

I agree with the others and BoA will probably yank your EX score. Most apply for the Visa Plat and if you don't qualify, BoA might offer you their secured card 99/500.

Re: Another BOA Question

mzsweet — Sat, 27 Oct 2007 03:06:47 GMT

I was thinking of the secured card too until reading on several forums of people getting the partial secured. So I said what the hell...maybe I'll get one too. So I tried today. Here is what you have to do: apply for the BOA platinum visa..if they deny you they will offer you the parital secured. You send in $99 and get $500 credit limit.

My fico scores early this month were:

EQ--579

EX--596

TU--592

Re: Another BOA Question

Anonymous — Sun, 28 Oct 2007 02:21:51 GMT

@mzsweet wrote:
I was thinking of the secured card too until reading on several forums of people getting the partial secured. So I said what the hell...maybe I'll get one too. So I tried today. Here is what you have to do: apply for the BOA platinum visa..if they deny you they will offer you the parital secured. You send in $99 and get $500 credit limit.
My fico scores early this month were:
EQ--579
EX--596
TU--592

I wonder if they would offer me the partial-secured with my scores just over 500?? I'm guessing not?

Re: Another BOA Question

Anonymous — Sun, 28 Oct 2007 02:50:30 GMT

BofA pulls Experian and TU. My Ex 590, Tu 610 in May when I applied for non secured card was declined. DID NOT offer 99/500, but went right to secured card.

Re: Another BOA Question

Anonymous — Sun, 28 Oct 2007 14:04:14 GMT

Good to know - thank you!