BOA 500/99

[Anonymous]

I app-ed for a BOA cash rewards card and it said i would be notified by mail, but i had heard of a counter offer of the 500/99.  Does anyone know if you have to recon for that or does it come in the letter you recieve afterwards. 

[Anonymous]

For me, it came immediately after I apped for the CR card, it was a counteroffer online. I accepted immediately (entered all my bank info) so there was no mention of any letter in the mail. 

Some posters, who did not immediately accept the counter online, also received the offer via mail. 

[MyLoFICO]

Recon it now. I just did this yesterday. I got the secured offer and declined it. Called, recon'd the unsecured and got it. All I asked was for them to reconsider. He didn't even ask any questions, he just approved it.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/B-of-A-Approval-after-recon-Immediate-regret/m...

[Anonymous]

since i didnt immediately recieve the counter offer, i'm thinking it might be out of range for me

[fltireguy]

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@Anonymous wrote:

since i didnt immediately recieve the counter offer, i'm thinking it might be out of range for me

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Unfortunately, your scores might be on the low side for the 99/500.. BUT.. IF you get the offer in the mail, which you very well may, jump on it!!!

[Anonymous]

I didn't apply, but I got the pre-approved 99/500 in the mail. The online acceptance didn't work, so I went into a banking center and they couldn't help me either nor could phone support. Ended up having to mail it in. But while I was in the bank, they had me apply for the regular card and I got declined with no counter offer even though I was already approved for the 99/500 in the mail.

[Anonymous]

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@MyLoFICO wrote:

Recon it now. I just did this yesterday. I got the secured offer and declined it. Called, recon'd the unsecured and got it. All I asked was for them to reconsider. He didn't even ask any questions, he just approved it.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/B-of-A-Approval-after-recon-Immediate-regret/m...

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I called in do to the reconn, not so much that i would get the unsecured card but to see if i could get the 99/500 offer.  i was told i would get a letter in the mail and to go into a branch once i had it.   the closest branch is 64 miles away.     I guess i just need to chill out.   I love NFCU cuz they gave me unsecured 1k instant, and it made me think maybe i could get other things that i surelly can not at this point in my re-build.