ANYBODY APPING BoA RECENTLY? RESULTS??

[rom828]

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@Anonymous wrote:

I was recently approved for both a Chase Freedom Card 2K, and a Citi Platinum Select 2K. 

Both pulled EQ: myFico 714

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Congratulations!

After seeing so much negative press on Citi, it's good (I guess!) to see they're  issuing new cards!  

I've been hesitant about applying with  any of these big "in the news" banks figuring either they wouldnt be giving new credit, ot they wouldnt be around (!), but it does seem that some of you out there are getting credit with them.

I don't want to go app crazy, though I  am planning on joining CU this week, but I still have concerns that if I don't get credit now when I don't really need it, it might not be available in the future as things inevitably tighten up.

[n2win]

I was recently denied CLI for my 10 month old BoA, CL $1500

The good news - approved for new Chase with $6000 CL!   Was an unexpected surprise...

[Anonymous]

I bank with BoA, and back in March when I was in the bank they asked if I was interested in app'ing for a CC, I said why not!

$5K CL, 0% APR for 1 year, no annual fee. 

My scores were probably mid 700's, can't remember who they pulled.

[rom828]

AAARRRGGGHHHH!  Applied on line yesterday  for BoA, against my better judgement, and got the "unfortunately, we're unable blah blah blah" message.

Don't know reason(s)  yet.  Could tell from Credit Secure they pulled EX, which had a FICO score of 702 (last one available).  I do have a paid PR (state tax lien) that doesnt drop til 04-11, but DH has same on his CR and he got a BoA acct last year.  Only other baddie is paid CO that drops 06-10, though I realize that's a 'big' one.  But I got Amex and Discover More April 2008 and Juniper Oct 2008 with these on report.   Utilization is 20% or so....shown as a 'positive" on my FICO explanations.  15 yr history, 5 yr AAoA.

Guess I'll see their reasons when I get their letter.  I'm so mad at myself for applying, especially since I just joined NFCU and plan to apply with them in future.   I just had it stuck in my craw that I needed a card or two more from the big banks  and look where it got me!!  Another INQ and no card!!!!!!

Message Edited by rom828 on 06-12-2009 09:25 AM

Message Edited by rom828 on 06-12-2009 09:26 AM

[Anonymous]

I applied for a BOA Amex two weeks ago, and I'm still getting the "Your business is appreciated and we are carefully considering your request... Please expect an email in a few days with a decision for your credit card request" message status.

*sigh*

[rom828]

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@Anonymous wrote:

I applied for a BOA Amex two weeks ago, and I'm still getting the "Your business is appreciated and we are carefully considering your request... Please expect an email in a few days with a decision for your credit card request" message status.

*sigh*

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At least they didnt tell you 'no' right off the bat!!

I got the 'unfortunately, unable etc etc"  as an instant decision....they didnt even want to consider me! 

I have Amex Green, Blue and Delta so apped for regular ol' BoA Platinum and they still said  'fat chance'

Maybe all is not lost.   Have you called them to check status??  Might give you the opportunity to provide additional info they need to approve, answer questions  etc.

I 

[Anonymous]

Pre-approved for a BofA Financial Rewards Visa for 8K. Auto CLI to 10K 2 weeks later.

[Anonymous]

I applied a couple of weeks ago for a BOA secured card. I am a good customer of theirs(or so I thought), checking and 2 savings accounts. Denial letter said due to having "a delinquency with a creditor". They pulled EX....the last score for them in Jan before we stopped having access was 622, no baddies in 3 years since divorce. I was very peed off, as I'm trying to raise my score to 620 across the board without investing in one of those cards with huge set up fees. Oh well!