Applied last night when offers were displayed after plugging in my information. I got the 'under review' message. I called in at 8am this morning when their office opened and spoke to a very snippy and almost downright rude credit analyst. They pulled TU (I got the alerts from multiple sources) but the analust argued with me to tell me they did not, they pulled Experian. Asked her if I could send the email and screen shots of the TU pull from my phone. She said no. She then asked me about additional income (which I have but never include - a TF from my father who has passed away). That's an additional $60k yearly. So, she said I was denied for baddies on my credit report. There are none. She lied. She then said she was sending me the secured card information in the mail. We hung up. I was ticked as I felt she was grumpy and wasn't *listening* to me.
About an hour later I decided to call back and spoke with a much more cheerful gentleman who looked at the notes of the additional income, actually listened to me plead my case as to how well I've recovered from my financial mistakes of days gone by. I told him I send the BT information because I wanted to get rid of the Capital One cards that aided in my financial recovery, that I never carry a balance any longer an that I did the BT (one C1 is $700, one is $150) to show I'd use the B of A card responsibly. I hadn't paid off the C1 cards for the month yet and told him that.
So, he said he'd elevate my request and his recommendation was going to be to approve me for a credit limit of $1,500 to $2,000 SL which would include the small balance transfers. He said he'd personally call me within 5 days with the decision. Honestly, I was impressed enough with his listening skills, his review of my CRs and his elevating my reconsideration request that even if I don't get approved I won't be upset.
Crossing my fingers for some good Bank of American luck!!
