I decided to try and apply with BOA because I really wanted a 0% interest to transfer a balance. I have two savings account and a checking account with BOA. I was not sent anything that said I was prequalified.
I applied online and go the "Your Application is Under Review" message. I decided to call 877-383-0120- verified my information (I have a fraud alert) and she put me on hold.
I was shocked to be approved for $3,500 with 0%, $200 cash back bonus, and everything else! I didn't think they would approve me because of my credit and 10 years ago I had a card with them that they closed I have been working so hard for years to repair this!
Credit is now locked and won't be applying for anything else!
I live in TX and they pulled Experian. Current Fico8 scores: Ex-649, Eq-651, Tu-654
I have 4 baddies on my credit that were from an ex. Nothing CC related. Add up to $1500ish together and are 4 plus years each.
16% cc utilization
~10 inquires across the board (over last two years). 2 are fraud and are in process of being removed.
CC's I have now:
Amex BC $0 out of $500
Amex ED $0 out of $500
Capital1 Sec $0 out $600
Capital QS $2000 out of $3000
Merrick Bank- $0 out of $1200 - Will be closing now. HATE this card. Worst interest ever.
Discover $600 out of $7000
Capital One $0 out of $10,000
Amazon- $1000 out of $2500
Walmart-$0 out of $2500
Ulta- $0 out of $1200
VS- $0 out of $1200
Nordstrom -$0 out of $1000
Children's Place- $0 out of $500
Congrats! I've tried for this card twice and had no luck LOL. Oh well, at least I got my US Bank Cash +....
Thanks for the DPs ... I think your deposit relationship really helped
Thank you! What does sub mean? Sorry!
No worries... SUB means Sign Up Bonus.