No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I was approved at BOA today! (Approvals thread: http://ficoforums.myfico.com/t5/Credit-Card-Approvals/APPROVED-at-BOA/m-p/5023283). Since the SL was low, I asked the banker if they could call underwriting, which they attempted to do, but could only get as far as a regular CSR. The phone lady asked me income and did NOT read anything about reviewing credit or HP before proceeding to tell me I'd get a letter in 5-10 days. What should I expect out of this? Is there a chance they HP'd me a second round without me knowing? Thank you all!
@Gmood1 wrote:
BofA normally uses the same pull for 30 days.
+1
It can go either way but since it was approved and your very first BofA card with them, i wouldn't sweat it so much if no joy. Many forum members who are BofA cardholders can attest that BofA likes to start many new cardholders lightly and then thereafter it really takes off for you.
Best of luck for a useful outcome
@CreditMagic7 wrote:
@Gmood1 wrote:
BofA normally uses the same pull for 30 days.+1
It can go either way but since it was approved and your very first BofA card with them, i wouldn't sweat it so much if no joy. Many forum members who are BofA cardholders can attest that BofA likes to start many new cardholders lightly and then thereafter it really takes off for you.
Best of luck for a useful outcome
If you hover over my BoA BBR in my signature, you can see that I'm a testament to how quickly their cards can grow. Yes the customer-initiated CLI's are HP's, but they're usually worth it.
@DeeBee78 wrote:
@CreditMagic7 wrote:
@Gmood1 wrote:
BofA normally uses the same pull for 30 days.+1
It can go either way but since it was approved and your very first BofA card with them, i wouldn't sweat it so much if no joy. Many forum members who are BofA cardholders can attest that BofA likes to start many new cardholders lightly and then thereafter it really takes off for you.
Best of luck for a useful outcome
If you hover over my BoA BBR in my signature, you can see that I'm a testament to how quickly their cards can grow. Yes the customer-initiated CLI's are HP's, but they're usually worth it.
That's awesome! Were any of those auto or were they all HP?
@Anonymous wrote:
@DeeBee78 wrote:
@CreditMagic7 wrote:
@Gmood1 wrote:
BofA normally uses the same pull for 30 days.+1
It can go either way but since it was approved and your very first BofA card with them, i wouldn't sweat it so much if no joy. Many forum members who are BofA cardholders can attest that BofA likes to start many new cardholders lightly and then thereafter it really takes off for you.
Best of luck for a useful outcome
If you hover over my BoA BBR in my signature, you can see that I'm a testament to how quickly their cards can grow. Yes the customer-initiated CLI's are HP's, but they're usually worth it.
That's awesome! Were any of those auto or were they all HP?
All HP, one every 5-6 months. I've cooled my jets for now, since I'm only using the card for $9.99 a month. They pull TU for their CLI reviews, and none of my lenders really care about TU except for them, so I don't mind them having a couple of HP's on there.
Card showed up in the account today at the original SL. Hoping that there may be something positive but I don't mind hitting up TU in a year either.
@Anonymous wrote:Card showed up in the account today at the original SL. Hoping that there may be something positive but I don't mind hitting up TU in a year either.
It usually only takes a day for it to show. Like others have stated BoA is usually worth the HP for CLIs.
@Anonymous wrote:Card showed up in the account today at the original SL. Hoping that there may be something positive but I don't mind hitting up TU in a year either.
If it doesn't change, go for $10k in 90 days. You know how it works by now!
Locking this thread. Please post any comments in the above linked approvals post.