topic Re: BOA/Citi questions in Credit Cards

BOA/Citi questions

Skins2311 — Sat, 29 Oct 2011 23:19:30 GMT

Hey guys I am new to the forum and would like some help. I recently applied for the CITI Dividend World Mastercard and the BOA Cash Rewards CC. With CITI I was declined but have yet to receive my letter stating the reason. I should get it this week and when I see the reason I will post on here to gather info to see if I should try a recon. I just applied today for the BOA Cash rewards card and I was not instantly approved so I need to call BOA monday to get my answer. I currently have a FICO score of 696 on EQ. and 709 on TU. EQ is showing 3 Inquiries and TU only 1 in the past year. I guess I would like to know if based on the information I gave do you think I will be able to be approved for the BOA card and if not should I also attempt a recon as well?

My other CCs are as follows

Cap 1 - $500 CL (150 balance)

Chase - $300 (PIF)

Zales $512 (PIF)

Banana Rep - $3550 ($1700 balance)

Macys $600 ($400 balance)

Amex Zync - (PIF monthly)

Thanks for everyones help in advance. If anyone has any pointers for me on how to improve my score in a short amount of time I am all ears as well! I started 3 months in the 670's for both TU and EQ so I know I am improving and working hard at paying off my CCs.

Re: BOA/Citi questions

Anonymous — Sun, 30 Oct 2011 02:16:21 GMT

Your Util is pretty high...if you don't pay all your PIF cards down to $0 before the statement cuts you might be pushing 50% Util. It's going to be hard to get any prime card with that high Util%, but it can never hurt to recon!

Re: BOA/Citi questions

UFGuy2006 — Mon, 31 Oct 2011 16:33:08 GMT

@Skins2311 wrote:
Hey guys I am new to the forum and would like some help. I recently applied for the CITI Dividend World Mastercard and the BOA Cash Rewards CC. With CITI I was declined but have yet to receive my letter stating the reason. I should get it this week and when I see the reason I will post on here to gather info to see if I should try a recon. I just applied today for the BOA Cash rewards card and I was not instantly approved so I need to call BOA monday to get my answer. I currently have a FICO score of 696 on EQ. and 709 on TU. EQ is showing 3 Inquiries and TU only 1 in the past year. I guess I would like to know if based on the information I gave do you think I will be able to be approved for the BOA card and if not should I also attempt a recon as well?

My other CCs are as follows
Cap 1 - $500 CL (150 balance)
Chase - $300 (PIF)
Zales $512 (PIF)
Banana Rep - $3550 ($1700 balance)
Macys $600 ($400 balance)
Amex Zync - (PIF monthly)

Thanks for everyones help in advance. If anyone has any pointers for me on how to improve my score in a short amount of time I am all ears as well! I started 3 months in the 670's for both TU and EQ so I know I am improving and working hard at paying off my CCs.

Usually when people get that message they aren't immediately declined. I recommend calling - you may be pleasantly surprised!