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Bank of America/BOA Secured Card

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MS103127
New Contributor

Bank of America/BOA Secured Card

Applied yesterday for the BOA secured card with $1,000.  Status is currently under review.  Fingers-crossed, because if they deny me again, recon is getting a "friendly" phone call from me, as this is one of the reasons why I don't bank with them anymore. Smiley Frustrated

 

Okay, rant over.  Happy weekend! Smiley LOL

Message 1 of 20
19 REPLIES 19
MS103127
New Contributor

Re: Bank of America/BOA Secured Card

UPDATE:  BOA did a HP/inquiry with Experian today (my FICO EX score went up a point -- thanks BOA! lol), and my application status is still under review.  Let's hope I see some transfer activity within the next few days..... Smiley LOL 

Message 2 of 20
uswala
Senior Contributor

Re: Bank of America/BOA Secured Card


@MS103127 wrote:

UPDATE:  BOA did a HP/inquiry with Experian today (my FICO EX score went up a point -- thanks BOA! lol), and my application status is still under review.  Let's hope I see some transfer activity within the next few days..... Smiley LOL 


Good luck!!

Message 3 of 20
MS103127
New Contributor

Re: Bank of America/BOA Secured Card


@uswala wrote:

@MS103127 wrote:

UPDATE:  BOA did a HP/inquiry with Experian today (my FICO EX score went up a point -- thanks BOA! lol), and my application status is still under review.  Let's hope I see some transfer activity within the next few days..... Smiley LOL 


Good luck!!


Thank you!  I have a feeling I'm going to need it...lol Smiley Very Happy

Message 4 of 20
Anomalous
Senior Contributor

Re: Bank of America/BOA Secured Card

Good luck!

Keep both your credit and your body in top shape!

Message 5 of 20
MS103127
New Contributor

Re: Bank of America/BOA Secured Card

**UPDATE**! Smiley Happy

 

Yesterday, I called the backdoor application status number, and I asked the representative for an update.  She cross-connected me with a credit analyst from the Secured Credit Cards Department.  She reviewed my information/file, let me plead my case, and then upheld the decision for denial.... Smiley Sad

 

Thanks in part to you folks, today, while waiting for my vehicle to get serviced, I decided to call the backdoor number for the Secured Credit Cards Department.  After waiting about 12 minutes (the BOA hold jingle does grow on you after a while lol Smiley Tongue), wouldn't you know I got the SAME credit analyst from yesterday!  Yeah, I hung up on her....lol Smiley LOL

 

I called back, and after about 5 minutes, I spoke with the sweetest credit analyst (I think her name is Annette), and politely asked her for a recon, which she was happy to do.  She asked me if I was aware of the baddies on my credit file.  I explained to her that I was, and that I was making diligent payments to eliminate those (FYI, she wanted an exact/solid dollar amount of the total payments that I was applying), and that I was attempting to repair my credit overall.  After placing me on a brief hold, she came back, and informed me that I was APPROVED! Smiley Very Happy 

 

Of course I asked her about the rewards program.  She informed that as soon as I receive the secured card to call the Secured Credit Cards Department, and they will send another card with the rewards package on it.

 

I'm excited! Smiley Very Happy

 

 

 

 

 

 

 

 

 

 

 

Message 6 of 20
Anonymous
Not applicable

Re: Bank of America/BOA Secured Card

Congrats! This card is great for building or rebuilding. Treat it well, they may early grad you in 9 months. 

Message 7 of 20
baller4life
Super Contributor

Re: Bank of America/BOA Secured Card

Congrats!!!! AWESOME card that can unsecure in as little as 6 months! Mines did! Smiley Wink
Message 8 of 20
MS103127
New Contributor

Re: Bank of America/BOA Secured Card

Well I jinxed myself and ended up getting denied after all....oh well... Smiley Sad

Message 9 of 20
Anonymous
Not applicable

Re: Bank of America/BOA Secured Card

What happened?
Message 10 of 20
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