BOA Credit Card question

[dpride86]

Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

[thom02099]

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@dpride86 wrote:

Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

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Check www.whogavemecredit.com for some comparisons. 

You can also Google "credit pulls database" for the site of which we may not speak and do the same thing.  They have a comprehensive comparison database. 

[HiLine]

Do you have a banking relationship with them? 

[BrokaToe]

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@dpride86 wrote:

Hi,

I have been looking into applying for a bank of america credit card and wanted to know if they are hard to get? What credit score is needed to be considered?

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I think you have a decent chance for approval with those scores. It's all going to come down to how much revolving history you have and util %.

They pulled EX for me and I was countered the partially secured 99/500 cash rewards card (which has sense unsecured). But at that time I didn't have any revolving history. So if you have at least a year of revolving history and low util then I would say your chances are good. I would suggest a clean report as well, no baddies, but YMMV

[lithium78]

I got a BoA Cash Rewards 1% card which they PCed to a 123 Cash Rewards card after six months.  When I applied, I had a EX of 650 with about twenty old baddies, but I also had a banking relationship with them that went back a few years with over $20,000 in my BoA savings account so that may have influenced their decision.