Back in with Bank of America

[Anonymous]

Years ago I stiffed BoA for about 10K. Occasionally I'd log into the prequal page to see if they had forgiven/forgotten -- no such luck. And I didn't blame them, at all. 

Today I got a letter in the mail: "Great News! You've been preselected for the BankAmericard Mastercard ..."

It didn't say preapproved but it did have a fixed APR of 16.49% after the initial 0% into APR (18 billing cycles for purchases and BTs made in the first 60 days).

It seems kind of a dud of a card after the 0% ends but its entree back into Boa so I went to the check it out site & enter my personal code from the letter. It prefilled most of my info so the application took about 5 minutes. Instant Approval for $10K.

So I'm back in the game with Boa. Can't wait for my first credit line increase request: "I'd like 99 thousand please. Yes, I'll hold."

DPs:

HP EX Fico: 750'ish

0 derogs

4 EX inq last 12 months

lol/24

[Gmood1]

A big congrats James!! That's a helluva come back!

[M_Smart007]

Good News!!!

Congrats

[Anonymous]

Congrats on your BOA BankAmericard MC approval!

[Anonymous]

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@Gmood1 wrote:
A big congrats James!! That's a helluva come back!

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Thanks, G. "Comeback" is exactly what it feels like -- this credit seeking game is like a sporting event. We keep score and everything. 

[AllZero]

Congratulations on your approval! You can always product change it to the Cash Rewards when the time is right.

[Anonymous]

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@AllZero wrote:

... You can always product change it to the Cash Rewards when the time is right.

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Good to know. Thank you.

[Meanmchine]

Congrats James!

[soxfaininfl]

Congratulations on your approval! How long ago did you burn BOA?

I burned them 14 years ago in a CO. I recently applied and they declined me because of my BK. I didn't have a cc with them when I filed my BK in 2016. I've been a customer for 20 years with BOA and couldn't get approved for their secured card either (applied for the cash rewards also). 

[Anonymous]

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@soxfaininfl wrote:

... How long ago did you burn BOA?

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The account went delinquent in 2005, charged off in 2006. 

Hang in there.