BOA recon still denied, anything else I can do?

[Anonymous]

Sorry to hear that Dallasjetsfan...they must have strict requirements on BK, thats messed up. Baller4life thanks, thats very encouraging. Stories like that are what make me want that card so much. As far as recent baddies, most recent is about a year and a half.

[baller4life]

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Bank-Of-America-Secured-Card-Requirements/td-...

[dallasjetfan]

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@Anonymous wrote:

Sorry to hear that Dallasjetsfan...they must have strict requirements on BK, thats messed up. Baller4life thanks, thats very encouraging. Stories like that are what make me want that card so much. As far as recent baddies, most recent is about a year and a half.

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I got over it pretty quick.  I just figured all would approve me at this point, but no big deal.  I definitely don't need as much credit as I have.  My CU is only 6% APR so I only use that every once in awhile.  I learned my lesson with the BK and never use CC's anymore.  I was just playing the game just in case I needed to buy a car or get a mortgage.  I am almost done paying for my '13 Jeep and not even in market for a house until I can pay cash.  That will be in 4-5 years.

[Anonymous]

Thanks so much baller4life. I don't quite fit the criteria, wish I had stumbled across that before I applied for unsecured! I don't even qualify for secured! Oh well, lesson learned, I jumped the gun, next time I'm gonna think on it for atleast 24 hours before I apply for anything. Thanks again.

[Anonymous]

Dallasjetfan, sounds like you have a lot going for you, credit-wise and financially. Screw BOA, you don't need em lol

[Anonymous]

Oh when it says no unpaid COs from BOA does that mean on your CR or ever in your life?

[Anonymous]

Anyone have a link for the $99/$500 BoA card?  I wouldn't mind putting an app in for that one =/

[baller4life]

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@Anonymous wrote:

Oh when it says no unpaid COs from BOA does that mean on your CR or ever in your life?

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I would assume ever. They have a very long memory. So they would have the CO in their records even if it has dropped from your credit file I'm sure.

[baller4life]

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@Anonymous wrote:

Anyone have a link for the $99/$500 BoA card?  I wouldn't mind putting an app in for that one =/

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There isn't a link to apply. You have to be offered it if you are denied an unsecured. It's pretty much a crap shoot.

[Anonymous]

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@baller4life wrote:

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@Anonymous wrote:

Anyone have a link for the $99/$500 BoA card?  I wouldn't mind putting an app in for that one =/

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There isn't a link to apply. You have to be offered it if you are denied an unsecured. It's pretty much a crap shoot.

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That's what I thought.  But I still was holding out hope, haha... Well, only 11 months more of gardening and maybe I'll apply =)