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BOA recon fail/question?

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Anonymous
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BOA recon fail/question?

I applied for a BOA unsecured card and was denied. I called the back door recon number I found on this forum to see about being qualified for a secured card instead, and was sent to another department (apparently unsecured analysts don't handle secured cards). The secured department told me I'd have to apply for a secured card, which would do another HP on my credit. 

 

I've read quite a few threads on here from people who've called the back door number and gotten a secured card. How are you doing this? I don't want them to pull my credit again, but I'd like to have the BOA card to start building a relationship with this bank. Thanks so much for any advice you have!

 

 

(first time poster, long-time lurker on this forum!)

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Anonymous
Not applicable

Re: BOA recon fail/question?

Interested in responses here as well as my DW applied for a BoA Rewards card about a week ago and we were hoping for at least the $99/$500 secured offer. Online application status says in review but phone says denied - no mail yet. They pulled EX on her. Shes an AU on my 2 year old BoA account buts only reporting to TU currently.
Message 2 of 4
Anonymous
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Re: BOA recon fail/question?

I was turned down too. They asked about several of my issues in my file. I was told that they would use same pull if within 30 days though as I apped for unsecured first. They were right- only hit my report once. 

Message 3 of 4
securingourfuture
Established Contributor

Re: BOA recon fail/question?

I applied on 3/11 for the unsecured. They said no and secured was recommended. I went for it. They debited my non-BOA checking account for my $300 collateral the next day. I didn't hear anything and there were no online updates or emails. I called the Backdoor number this morning and was told "Congratulations you're approved, but we are waiting on your collateral to clear (???), and a card will then be sent in 7-10 bus days". First approval on any BOA product. They probably said yes as my BK7 falls off in 10.5 months.

 

They did just 1 HP.

8/22/18: BK7 filed EXP 490 TU 430 EQ 429
11/28/18: BK7 discharged EXP 586 TU 578 EQ 527
06/08/21: EXP 656 TU 643 EQ 701
Message 4 of 4
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