topic Re: BOA Credit Card question in Credit Cards

BOA Credit Card question

dpride86 — Sat, 23 Mar 2013 22:10:19 GMT

Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

Re: BOA Credit Card question

thom02099 — Sat, 23 Mar 2013 22:18:24 GMT

@dpride86 wrote:
Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

Check www.whogavemecredit.com for some comparisons.

You can also Google "credit pulls database" for the site of which we may not speak and do the same thing. They have a comprehensive comparison database.

Re: BOA Credit Card question

HiLine — Sun, 24 Mar 2013 06:37:41 GMT

Do you have a banking relationship with them?

Re: BOA Credit Card question

BrokaToe — Sun, 24 Mar 2013 14:31:38 GMT

@dpride86 wrote:
Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

I think you have a decent chance for approval with those scores. It's all going to come down to how much revolving history you have and util %.

They pulled EX for me and I was countered the partially secured 99/500 cash rewards card (which has sense unsecured). But at that time I didn't have any revolving history. So if you have at least a year of revolving history and low util then I would say your chances are good. I would suggest a clean report as well, no baddies, but YMMV

Re: BOA Credit Card question

lithium78 — Sun, 24 Mar 2013 14:36:59 GMT

I got a BoA Cash Rewards 1% card which they PCed to a 123 Cash Rewards card after six months. When I applied, I had a EX of 650 with about twenty old baddies, but I also had a banking relationship with them that went back a few years with over $20,000 in my BoA savings account so that may have influenced their decision.