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BOA Amex Question

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Anonymous
Not applicable

BOA Amex Question

Does anybody know the min scores needed for this card? I tried asking boa via their online chat line but was given the line "just apply and see". Also, I was given the script that online approvals are given by their automated system which can't pick up specifics such as collections, charge offs or BK. Is this true with BOA? Are you approved on score alone?
Message 1 of 18
17 REPLIES 17
moonman
Frequent Contributor

Re: BOA Amex Question

try and see if this help http://www.whogavemecredit.com/
Message 2 of 18
Anonymous
Not applicable

Re: BOA Amex Question

I app'd for this and they pulled Experian. I had a 619 and was shot down instantly. They countered with a secured card.
Message 3 of 18
Anonymous
Not applicable

Re: BOA Amex Question

Check BOA's preapproval link on their website. If you qualify for one of their cards, the Amex will probably be offered. I had some baddies on my report before, which kept my score in the low 600's and I would check the preapp link on BOA's site regularly—always said I had no offers. The same day those baddies were removed from EX, I checked the site and I was preapproved for Amex, BankAmericard, and Platinum with $1,500 limits. I applied right away and they took a good month to get the card out to me and when I received it the limit was a measly $500, probably because I had 5 new accounts in the last few months. Asked for CLI on activiation, hold a moment, "$2,500 okay?" My point is BOA is great but I would wait until the preapproval. In case you're wondering, my EX at the time was 737 but they definitely preapprove with lower scores.
Message 4 of 18
Creditaddict
Legendary Contributor

Re: BOA Amex Question

BOA is NOT BK FRIENDLY!
Message 5 of 18
Anonymous
Not applicable

Re: BOA Amex Question

So, is it true about their automated system?
Message 6 of 18
Anonymous
Not applicable

Re: BOA Amex Question

I got shot down instantly and I had a 647 EX.Smiley Sad
Message 7 of 18
Anonymous
Not applicable

Re: BOA Amex Question

Maybe its true then. No matter what the derogs, if you have higher then that magic score they want . bingo. I guess they figure if your CR is bad, your score can't be as high as they want for an approval.
Message 8 of 18
Creditaddict
Legendary Contributor

Re: BOA Amex Question

Im sure BOA is great once your with them... but there approval seems to be really finicky... I have done there pre-approval thing before for my father who was mid to high 750+ and it came back nothing available... I don't know if that means if he actually applied it would decline but you would think they would offer something.
Message 9 of 18
Anonymous
Not applicable

Re: BOA Amex Question

are they able to get your credit score with a soft pull? Do soft pulls hurt?
Message 10 of 18
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