topic Re: ? about 99/500 BOA CC help please in General Credit Topics

? about 99/500 BOA CC help please

serenity72 — Fri, 06 Jul 2007 16:15:38 GMT

did you have to get denied for an unsecured CC to get the 99/500 and if so did you go through a local branch to get this card? Or is this something that can be offered through mail? When I applied for the unsecured card it did not give me an option of 99/500 just flat out said I was denied and would be getting something saying I was denied through the mail. Thanks for the help.

Re: ? about 99/500 BOA CC help please

serenity72 — Fri, 06 Jul 2007 17:03:34 GMT

any1

Re: ? about 99/500 BOA CC help please

Anonymous — Fri, 06 Jul 2007 17:11:23 GMT

When I got mine, I applied for their regular unsecured Visa Platninum Plus card, I was denied and then was offered the $99/$500 right then and there. I am a BoA customer so I don't know if that has anything to do with it. Also when I got my denial letter for the unsecured card it again offered the $99/$500 with the denial letter.

but to answer your first question , yes you have to be invited after you have been declined from another card. It is not offered on it's website.

I would wait until the denial letter comes and if it's not offered with it, I guess you can try a local branch. but I would just wait for the letter.

Re: ? about 99/500 BOA CC help please

serenity72 — Fri, 06 Jul 2007 20:41:39 GMT

ty unfortunatly i dont have a BOA in michigan

Re: ? about 99/500 BOA CC help please

Anonymous — Fri, 06 Jul 2007 20:44:45 GMT

What are your scores?

Re: ? about 99/500 BOA CC help please

SmartCookie — Fri, 26 Oct 2007 21:40:35 GMT

A few people are asking this.

The soft inq should give you the 99/500 card option if you do not qualify for other cards.

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

edit: this only gives the fully secured card option. Apply and get denied for the Platinum Plus to get the 99/500 partially secured counter offer either instantly online, or in the mail.

Message Edited by SmartCookie on 10-26-2007 05:40 PM

Re: ? about 99/500 BOA CC help please

Anonymous — Fri, 06 Jul 2007 20:51:01 GMT

I don't think it's offered through that either. Unless someone has had a different experience.

Re: ? about 99/500 BOA CC help please

Anonymous — Fri, 06 Jul 2007 20:55:27 GMT

SmartCookie wrote:
A few people are asking this.

The soft inq should give you the 99/500 card option if you do not qualify for other cards.

https://preapproved.bankofamerica.com/cc/SelfInquiry.aspx

Are you sure that's a "soft" inq?

Social Security Number

<SCRIPT language=javascript type=text/javascript> </SCRIPT> close window

We ask for your Social Security number so that we can pull your credit bureau data, which in turn assists us in processing your request.

Re: ? about 99/500 BOA CC help please

Anonymous — Fri, 06 Jul 2007 21:00:48 GMT

yeah it's a soft one. It's the same one CC use when they send you out pre approved offers in the mail

Re: ? about 99/500 BOA CC help please

SmartCookie — Fri, 26 Oct 2007 21:39:01 GMT

Lori344 wrote:

Are you sure that's a "soft" inq?

Social Security Number
<SCRIPT language=javascript type=text/javascript> </SCRIPT> close window
We ask for your Social Security number so that we can pull your credit bureau data, which in turn assists us in processing your request.

As per online rep Jaquena from BoA yes, it is a soft promo inq to see preapproval offers. They still need your SSN for a soft pull... If you then fill out an application, it's a hard inq just like any other app.

Message Edited by SmartCookie on 10-26-2007 05:39 PM

Re: ? about 99/500 BOA CC help please

serenity72 — Fri, 06 Jul 2007 21:07:07 GMT

my score is 510 actually there is a BOA in Michigan. Dumb woman on phone lol

Re: ? about 99/500 BOA CC help please

serenity72 — Fri, 06 Jul 2007 21:15:32 GMT

Well i did that one and nothing came up for a $99/500 went straight to the secured card for $300 and up. GRR

Re: ? about 99/500 BOA CC help please

SmartCookie — Fri, 06 Jul 2007 21:22:05 GMT

Boswd wrote:
I don't think it's offered through that either. Unless someone has had a different experience.

If so I stand corrected and apologize. I could swear it came up for me, I was surprised by it but the screen also said the bureaus might be down.

Alas, instead of doing my dishes... I chatted online with Ed from BoA to see what I could find out.

This functionality requires JavaScript. Please enable JavaScript and try again. To read the LivePerson accessibility policy, please go to the Liveperson accessibility policy page.

Thank you for choosing Bank of America. An operator will be with you shortly.
You are now chatting with Ed.
Ed: Hello, I specialize in assisting with new personal credit card applications. How may I assist you today?
you: hello, is there a way to apply for the 99/500 card online?
Ed: To see if you may be qualified for the Partial Secured Card online you can apply for the Visa Platinum Plus card to see if you receive a counter offer via online or by mail.
you: i see, i have a few friends interested in the card and thought there was an easier way. that is the only way online correct?
Ed: Correct, and only as a counteroffer. This card is not available for anyone to apply.
you: aha thank you sooo much for explaining ed, you've been very helpful and i will pass the info along! that was my only Q and thanks again!

Re: ? about 99/500 BOA CC help please

serenity72 — Sat, 07 Jul 2007 03:41:14 GMT

ty I appreciate it. I dont qualify for it unfortuantly. Guess I have to slap $300 down for a secured. At least itll be worth it.