BofA Pending?

[Anonymous]

Seems odd since I applied back in April and got, "we ain't got much to offer except a $99/500 quasi-secured card". This time it says we're reviewing you app and we'll snailmail you in 7-10(?) days.

Maybe they'll dispense with the $99 this time and give me a $401 SL?

My Ex is 700-730 depending on version BUT, got a boatload of INQs and new accts.

[FinStar]

You could contact their UW/credit analyst unit tomorrow to find out.  The message could yield a decline or approval.

[Anonymous]

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@FinStar wrote:

You could contact their UW/credit analyst unit tomorrow to find out.  The message could yield a decline or approval.

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@I agree with @FinStar.  Call the credit analyst and see what the hold up is.  I will keep fingers crossed for you.

[Anonymous]

CSR was very terse, "still under review, you'll receive a letter in 10 days"! and hung up.

[B335is]

Are you just calling Customer Service? Call the backdoor Senior Credit Analyst 866-618-4585

[Anonymous]

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@B335is wrote:
Are you just calling Customer Service? Call the backdoor Senior Credit Analyst 866-618-4585

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Yep, called that number.

I guess I'm "on the fence" since they didn't automatically offer me the $99/500? As much as I'd like to slip in the BofA door, I'm NOT interested in a $500 CL

[B335is]

I'd call back and ask if they can look at the application and give a decision. Sounds like the first person you spoke with hadn't had their coffee yet.

[Anonymous]

LOL

Sounds like negotiating with one of my kids, "If you want an immediate answer, without giving it any thought...NO, request denied"!

[Anonymous]

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@Anonymous wrote:

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@B335is wrote:
Are you just calling Customer Service? Call the backdoor Senior Credit Analyst 866-618-4585

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Yep, called that number.

I guess I'm "on the fence" since they didn't automatically offer me the $99/500? As much as I'd like to slip in the BofA door, I'm NOT interested in a $500 CL

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This is what happened to me.  7-10 day and denied, but right after that they sent the 99/500 offer.  I took it because I did my research for getting my first card after not having credit cards for years. 

The AF was waived and it's a cashback rewards card so I use it a lot for groceries and gas (2% and 3%).  Unlike other cards, I can go to any grocery store.  My 7th statement cut and I noticed that on the 6th month the "request credit limit increase" link showed up!  Before I didn't have any links for this option.  I know many have had wonderful success with 9 months graduating to unsecure and their 99 refunded.  Since I am in the middle of mortgage process I am not requesting credit limit increase because it is a hard pull.  Also, they were the reason for my credit scores going up and for Chase/CapOne prequal.  They were the door to not needing to rely on crappy offiers and my scores have gone up significantly since getting this card!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@B335is wrote:
Are you just calling Customer Service? Call the backdoor Senior Credit Analyst 866-618-4585

---

Yep, called that number.

I guess I'm "on the fence" since they didn't automatically offer me the $99/500? As much as I'd like to slip in the BofA door, I'm NOT interested in a $500 CL

---

This is what happened to me.  7-10 day and denied, but right after that they sent the 99/500 offer.  I took it because I did my research for getting my first card after not having credit cards for years. 

The AF was waived and it's a cashback rewards card so I use it a lot for groceries and gas (2% and 3%).  Unlike other cards, I can go to any grocery store.  My 7th statement cut and I noticed that on the 6th month the "request credit limit increase" link showed up!  Before I didn't have any links for this option.  I know many have had wonderful success with 9 months graduating to unsecure and their 99 refunded.  Since I am in the middle of mortgage process I am not requesting credit limit increase because it is a hard pull.  Also, they were the reason for my credit scores going up and for Chase/CapOne prequal.  They were the door to not needing to rely on crappy offiers and my scores have gone up significantly since getting this card!

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Although I don't disagree with your assessment, out situations are different, I already have 6 major cards over $10K CL and 8-10 over $5K, including Barclays and Chase. I'd like to develop a relationship with BofA, Citi will have to wait since they're very INQ senstive.