topic Re: has anyone got a bank of america card when they already charged you off? in Credit Cards

has anyone got a bank of america card when they already charged you off?

johnpalley — Tue, 19 Feb 2008 22:05:43 GMT

i maxed out a bank of america credit card 3 years ago and i never paid it.i owed 6000 dollars. after that it got charged off because i never paid them and ever since then ive been rebuilding my credit. yesterday i got a notice from them saying im pre selected for a credit card with 0% apr the first year and no annual fee. have any of you gotten another credit card after a card from the same company was charged off because you didn't pay it. do you think they will give me another card when i call them. my mother said she got her card the same way. she got pre selected with bank of america called them up and got a 10,000 dollar limit.

Message Edited by johnpalley on 02-19-2008 02:05 PM

Re: has anyone got a bank of america card when they already charged you off?

Anonymous — Tue, 19 Feb 2008 22:08:19 GMT

Remember Pre-selected does NOT mean approved! Go to their site and do the soft inquiry and see if they offer you anything.

Re: has anyone got a bank of america card when they already charged you off?

johnpalley — Tue, 19 Feb 2008 22:14:17 GMT

brammy, i know all that already i just wanted to check if it was most likely not possible because i dont want any inquiries on my credit report. if people have done it before than it looks good for me and i will do the soft inquiry. Message Edited by johnpalley on 02-19-2008 02:12 PM

Message Edited by johnpalley on 02-19-2008 02:14 PM

Re: has anyone got a bank of america card when they already charged you off?

Anonymous — Wed, 20 Feb 2008 03:16:50 GMT

I recently got a BofA card and I had an MBNA charge-off from 2000. I applied early last year and was declined. I then apped and received a secured BofA card. Last month the secured card "graduated" to unsecured so now I have an unsecured BofA account. Of course, YMMV.

As previously mentioned my CO was from 2000 and has since fallen off my reports. I wouldn't have had the guts to apply 3 years after a CO. You could be waking a sleeping dragon by apping with BOA so soon, especially if the debt is unpaid and within the SOL...

Re: has anyone got a bank of america card when they already charged you off?

johnpalley — Wed, 20 Feb 2008 20:55:47 GMT

lurknomore , what does mbna stand for?

Re: has anyone got a bank of america card when they already charged you off?

Anonymous — Wed, 20 Feb 2008 21:11:45 GMT

johnpalley wrote:
lurknomore , what does mbna stand for?

Maryland Bank N.A was bought by Bank of America...

Re: has anyone got a bank of america card when they already charged you off?

Anonymous — Wed, 20 Feb 2008 21:23:19 GMT

MBNA was acquired by BofA in 2006 so because I had defaulted with MBNA in 2000, I was deemed to have defaulted with BofA and thus initially denied unsecured credit with them.

Message Edited by lurknomore on 02-20-2008 01:18 PM

Message Edited by lurknomore on 02-20-2008 01:23 PM

Re: has anyone got a bank of america card when they already charged you off?

johnpalley — Thu, 21 Feb 2008 00:18:34 GMT

thanks for the info. i will let you all know what happens after i apply