Pre-Approval + Denial - Bank of America Cash Rewards

[Anonymous]

I don't know why I applied...but I read some really good things about the Cash Rewards CC from BofA and decided to at least check if I was pre-approved.  Sure, that's all I'll do...LOL

I am rebuilding and have had a string of good luck recently.  I checked Chase and AMEX, neither provided any pre-approval offers and I didn't expect them to with a recent Chapter 7 discharge.  BUT, Bank of America did find a pre-approval, which I know is not a guarantee, but it is better than a no.

So, I applied and was quickly denied.  They pulled Experian and after this pull my score dropped by 10 points.  Eeek!  I feel pretty dumb for applying (after I did of course)...

I may give them a ring and see if they will work with me, but I doubt they will (for now).

[aircobra]

Their 'customized offers' are not actual pre-approvals (you can tell because they don't show a single APR after giving them your information). I just checked it and they "recommended" the same card.

[Anonymous]

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@aircobra wrote:

Their 'customized offers' are not actual pre-approvals (you can tell because they don't show a single APR after giving them your information). I just checked it and they "recommended" the same card.

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Darn the luck.  Hopefully this helps someone else.  Don't do it, take it from me!   

[bigpoppa09]

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@Anonymous wrote:

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@aircobra wrote:

Their 'customized offers' are not actual pre-approvals (you can tell because they don't show a single APR after giving them your information). I just checked it and they "recommended" the same card.

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Darn the luck.  Hopefully this helps someone else.  Don't do it, take it from me!   

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Sorry OP but your BK7 hasn't even been discharged a year yet that's too soon for BoA.

[Meanmchine]

Go to the BoA prequal site.  Enter your dogs name. Make up any info you want.  You will still get the same results.  Sorry OP

[Anonymous]

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@Meanmchine wrote:

Go to the BoA prequal site.  Enter your dogs name. Make up any info you want.  You will still get the same results.  Sorry OP

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Ha! Right you are... Whoooopsie.

[Anonymous]

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@bigpoppa09 wrote:

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@Anonymous wrote:

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@aircobra wrote:

Their 'customized offers' are not actual pre-approvals (you can tell because they don't show a single APR after giving them your information). I just checked it and they "recommended" the same card.

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Darn the luck.  Hopefully this helps someone else.  Don't do it, take it from me!   

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Sorry OP but your BK7 hasn't even been discharged a year yet that's too soon for BoA.

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Indeed.  I found out that it wasn't the bankruptcy per se, but that Bank of America was notified of my filing.  I knew I burned bridges with AMEX and Chase, but I thought I was okay with Bank of America.  It took some thinking, but I do remember a card way back when with MBNA/FIA.  I just read that MBNA/FIA were acquired by BOA.  That account went to collections with Cavalry SPV I LLC and was included in my BK7.  All water under the bridge now, but I suppose I'm blacklisted with AMEX, Chase, and BOA for some time (maybe forever).  Darn it...