BOA CREDIT CARD!

[Anonymous]

I wanted to know what card does everybody  have i see alot of people have large credit limits. Where did you apply and what are your credit scores????

My TU is about 650.. my yearly income is abut 70000

i have total 5 credit cards

2000 cl= 400 balance= cross country ( applied bank)

1250 cl= 0.00             = Juniper

300   cl= 0.00             = Cap 1

300   cl= 0.00             = Best buy

500  cl= 0.00              = credit one bank

 i want to drop the 3 lowest ones and get one large credit card.

Message Edited by mdavi25 on 07-04-2008 12:09 PM

Message Edited by mdavi25 on 07-04-2008 12:33 PM

[Anonymous]

BofA has many card options.  You may get more responses to your question if you advise what features you are looking for in a card, other CRA scores, and if you have any baddies on your report. I have the BofA Accelerated AMEX which I received after a reconn.

[Anonymous]

i had a couple bad things but they are  6-7 years old. i havnt had anything bad for more than 2 years maybe longer...  maybe a low apr and a high limit

[haulingthescoreup]

What's your current util, the balances reported on your credit reports? Even if you pay in full every month, if you wait until the statement drops, it hurts your score by making it look like you're carrying balances.

BofA almost always pulls EX, and they then go on to pull TU for some, generally those with lower scores or with short or troubled credit histories.

Is your TU score a FICO score?

If you can get your scores up in the 680-690+ range, with low util (remember, it's what's reported) and your income, you ought to be able to get a good card.

I have a worldpoints MC that's an affinity card, through my professional organization. But I think it works the same as any of the regular ones.

If you're not opted out of pre-approvals for credit and insurance offers, go to their pre-approval site and see if they offer you anything. It's a soft on EQ, and as I said, if you accept an offer, it's a hard on EX and probably TU.

I'd definitely wait until your scores are up more so that you'll start out with a better deal.

Message Edited by haulingthescoreup on 07-04-2008 02:29 PM

[Anonymous]

July 07' BOA denied me but offered the secured card  ($300 limit).  A year later I have a regular plat. plus with a $2000. 00  They also returned the $300  Good luck.....just know that  the secured card is an option.  They pulled EX