BOA recon still denied, anything else I can do?

[Anonymous]

So last night/early this morning, after searching the forums, I came across some discussing the semi-secured BOA card, 99/500. I knew that I would not be approved for an unsecured card, but from others' experiences, the only way you can get the 99/500 vs the fully secured card is to apply for an unsecured card and receive a counteroffer of the 99/500. So I stupidly decided to apply for the unsecured even though I knew I wouldn't get it (TU and EQ in 630s, collections and short credit history). I regret that because the counteroffer was not given and I completely wasted a hard pull. Today I called for recon, hoping they would counteroffer over the phone, but they didn't. (BTW, the number I used to finally talk to someone about this after calling various other numbers was (866)505-7481). After she reviewed some things on my credit report with me, her advice was to go to their website bettermoneyhabits.com for advice (lol). I don't need that, I have made MANY past mistakes but I know what I should be doing now and am well on track. Does anyone have any advice as to anything else I can do, going into the branch, calling and talking to someone else. anything? I hate that I wasted this hard pull. She said that I can apply for secured but it will be another hard pull. I did recently get a Capital One Secured (haven't received yet), but I was thinking of cancelling since I have read so much about them hardly ever graduating or granting CLI, so I don't see it as super beneficial in the long run. But if I cancel and apply for BOA secured, then thats 2 hard pulls wasted. Thanks for any advice!!

[Creditaddict]

don't cancel the cap1, it has it's usefullness.

don't worry about it graduating or what not... you are rebuilding... you won't keep it in a year when you can get better bigger unsecured cards.

i think people have scared you to be way to concerned about HP's and if you could get a secured bank of america that is a golden card to get and I would do it.

[elim]

how many INQ's do you have now?

[gdale6]

As Creditaddict has said do not cancel the Cap-1 Secured they have been generous of late giving unsecured CLIs on their secured cards if you are treating them right. I also agree that you should go ahead and take the 2nd HP for the BoA secured, that card is well worth it.

[baller4life]

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@gdale6 wrote:

As Creditaddict has said do not cancel the Cap-1 Secured they have been generous of late giving unsecured CLIs on their secured cards if you are treating them right. I also agree that you should go ahead and take the 2nd HP for the BoA secured, that card is well worth it.

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+100

[Anonymous]

Thanks for all the replies! Ok I won't cancel the Capital One, I was just worried about not wanting to keep it forever and that later affecting my AAoA. (I had ZERO credit cards for years, and now just have that and store cards that I just opened. I have a lot of inquiries from trying to open new cards and whatnot, my Experian CR from today has 6 in the past year, and there are 2 fairly recent ones that are not on there, so I'm guessing they will eventually show up. But on the bright side, 2 are falling off next month and 3 early next year, so by the time I attempt buying a house next year (if I can get my credit up enough), there will be 3. So with this many inquiries should I take another for the secured BOA? I really want that card, sounds like something that will grow with me. Thanks.

[baller4life]

1000 times YES!!! Get the BofA secured. Fastest unsecuring secured on the market!!

[Anonymous]

Thanks! So next question is do you all think I will even be approved for BOA secured with my scores? I've heard they were tougher than Capital One for approvals, although I don't really understand why if its fully secured. It would suuuuckkkk if I applied and didn't get it lol. I wish there was some way for them to approve or deny based on my application this morning.

[dallasjetfan]

I tried to get a BOA last week.  They denied me because my BK is still on my CR.  I called to recon and they denied me again and said I would be recieving a secured card offer.  I will toss in trash.  I have every other "prime" issuer out there with over $60K in CL's and 700+ score so I will just tear up the app and toss in trash.  I will never re-apply for BOA.  

[baller4life]

I was approved with a score around what yours is now. Got it in December with $300 deposit. Unsecured in June cli to $1500. Requested cli couple weeks ago and approved for $10k. Do you have any recent baddies. I will post the requirements as soon as I locate them.