Approved

[Harvey26]

Today I found out I needed braces and that they would cost about $4500. Went to local CU and was instantly approved for personal loan already have my current car loan with them. EQ score aat 689. Was feeling a little happy go lucky and tried for BOA thinking things would be different but of course not. Oh well back to the garden also considering placing a freeze on my credit reports. And do you guys think I should take the secured offer from BOA and it is fully secured. EX score is a 691

[CreditCuriosity]

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@Harvey26 wrote:

Today I found out I needed braces and that they would cost about $4500. Went to local CU and was instantly approved for personal loan already have my current car loan with them. EQ score aat 689. Was feeling a little happy go lucky and tried for BOA thinking things would be different but of course not. Oh well back to the garden also considering placing a freeze on my credit reports. And do you guys think I should take the secured offer from BOA and it is fully secured. EX score is a 691

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Congrats on the CU loan and no I would not take a secured card with BofA if I were you as your scores are good enough for an unsecured card with other lenders such as you CU and other banks.  Eventually when your scores increase more just go the full unsecured route with BofA.. BofA is declinig people and offering them 99/500 well into the 700's which I find crazy..    I was declined initially with a 710 Exp for BofA had to recon and was successful for a fully unsecured card.  They are a PITA lender although I had a good outcome from a very nice analyst still my lowest CL.  Just hopes it grows as quick as people say.  

[Harvey26]

UPDATE JUST APPLIED FOR THEIR STUDENT CREDIT CARD AND WAS APPROVED FOR 3K

[CreditCuriosity]

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@Harvey26 wrote:

UPDATE JUST APPLIED FOR THEIR STUDENT CREDIT CARD AND WAS APPROVED FOR 3K

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Congrats... So let me get this right declined regular CC from BofA flat out and applied for student version and given 3k?  Wow...  Anyways, whatever works.  You a student or in college?

[Harvey26]

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@CreditCuriousity wrote:

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@Harvey26 wrote:

UPDATE JUST APPLIED FOR THEIR STUDENT CREDIT CARD AND WAS APPROVED FOR 3K

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Congrats... So let me get this right declined regular CC from BofA flat out and applied for student version and given 3k?  Wow...  Anyways, whatever works.  You a student or in college?

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Exactly makes no sense to me I think he pulled my other credit reports to process it but idc. this was the last card on my bucket list. on to the garden forever now until i want to increase my limit to 5k so i can get visa siggy but I will wait probably until the beginning of the year to do that. and yes college student.

[Anonymous]

Nice, congrats on the approval !!