So as part of my spree that ended on 9/11, I tried for a BoA Cash Rewards and I got my letter. Reasons for denial:
One or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file for bankruptcy
Limited deposit and/or investment balances with us and/or our affiliates
The second reason is an interesting one. BoA had mailed me an offer to open a checking account with them and get $300 with direct deposit but it required me going in to a branch so I never did it. I wonder if banking with them gets you off the blacklist? I won't switch to them just to try to get a credit card that I won't use, I am just curious if that's an avenue that works since they specifically list it on the letter.
They were included in my Chapter 7 back in 2010 for less than $5K (I don't remember the exact amount but that card had a $6500 limit and I never maxed any of my cards) and I figured I was still on the blacklist but while I was already out of the garden, I burned an HP to make sure.
I don't really have plans to give BoA my business long term. I would churn that $200 bonus and then cut the card. BoA and their pre-CARD shenanigans were the driving force behind my BK to begin with and I have a long memory too. It's more curiosity and in the interest of seeing DPs that I am curious about the deposit relationship and the blacklist.
Having the depository relationship won't necessarily be a 'wild card' to be off the blacklist, unfortunately. There's been some previous threads on similar outcomes. By the same token, some who have IIB have been able to get a secured or unsecured CC through them. So, it sounds like they'll likely hold that blacklist "memory" on you for sometime.
I got the same limited balances reason for an app denial and a CLI denial. I think they're tightening up significantly.
My one "baddie" is with BofA. I didn't get a charge-off, but had late payments on one card and settled for less than the full amount. It was not a small sum that was forgiven, either.
My family has had a relationship with BofA going way back and I still have a long, LONG-standing checking account with them. A family member was an employee for many years, too. I've since moved on to Unify CU and NFCU for most of my banking needs, but I guess I'm a tiny bit sentimental about BofA.
I wonder how long it would take to be approved for a card again. Years, I assume.
Today get preapproved letter in mail box, from boa
and went online check prequalify
yes you are pre qualifed for cash back.. apllied onlie booomp DENIED stupid boa why the hell trick me like this,,
720 transunion 690 exp from karma.
3 hp in last 24 months
---Verizon (this idiots hp even you do not tell tham your ssn, made extra deposit for fios internet and do not tell tham your ssn)
---factual data pitssburg pa i dont know who are they never applied .
--- capital one
Cards capital one 2 cc $3000 and $3500 limits
-tdcash thise account is 400k business personel account and still my limit is $2000
--creditone secured 3k 35 moths about to close never used
Would check your actual FICO scores next time instead not Vantage aka Credit Karma.
FYI, BofA's online pre-qualification is not legit.
bofa prequalify is fishy thanks learned hope not many people get ding becuase of this