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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. ![]()
Okay, rant over. Happy weekend! ![]()
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.....
@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.....
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Good luck!!
@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.....
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Good luck!!
Thank you! I have a feeling I'm going to need it...lol ![]()
Good luck!
Keep both your credit and your body in top shape!
**UPDATE**! ![]()
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.... ![]()
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
), wouldn't you know I got the SAME credit analyst from yesterday! Yeah, I hung up on her....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!
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! ![]()
Congrats! This card is great for building or rebuilding. Treat it well, they may early grad you in 9 months.
Well I jinxed myself and ended up getting denied after all....oh well... ![]()