BoA PreApps

[tonsers]

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@Anonymous wrote:

Thanks Tonsers - that's awesome to hear! And a BIG congrats on your card! Did you do the pre-app? If so, how different was the CL from what it first reported?

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Peas, no I didn't do the pre-app, I'm opted out. I do my online banking through BofA and this Rewards AmEx was one "featured cards" to app for.

[Anonymous]

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@tonsers wrote:

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@Anonymous wrote:

Thanks Tonsers - that's awesome to hear! And a BIG congrats on your card! Did you do the pre-app? If so, how different was the CL from what it first reported?

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Peas, no I didn't do the pre-app, I'm opted out. I do my online banking through BofA and this Rewards AmEx was one "featured cards" to app for.

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Tonsers - Ahhh, okie dokie.  Thanks for the info.

I just checked who they pulled -- EX and TU.  Interesting, since those two both have issues.

[Anonymous]

*stumbles in from nap*....WOW peas, congrats! And to think I missed all this while napping! This is wonderful news! Now if only I can get used to this daylight savings time change.....

[Anonymous]

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scramblingin2007 wrote:

*stumbles in from nap*....WOW peas, congrats! And to think I missed all this while napping! This is wonderful news! Now if only I can get used to this daylight savings time change.....

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lol thanks -- it was definitely high drama there for a few moments! 

I hate DST too and wish that Indiana would go back to being a non-DST rebel!  I mean seriously, we're far to the left of the Eastern DST so the sun doesn't come up (I mean REALLY up) until about 8:30.  School starts at 7:20 so we're in the dark for all of homeroom and first period!  You know how middle schoolers LOVE to get up early!  ARGH!

[Anonymous]

peas, my ex was 585ish and i rcvd 5k response from the pre-approval link. got the same message as you, called everyother day for a week. was told in but only 1k, cause they like to honor the pre-approvals. asked if they would go back up to 5k and pulled tu 670ish at my rqst. guy comes back and says, still not going above 1k. fast foward week or so, card arrives. i called the number on the back and not the number on the sticker to activate. csr comes on says would you like to activate your card? i say firsy i'd like to take advantage of that 0% bt offer.

well he takes down some info, job time, hhi, title, etc... says i need to let you speak to someone about the cli. oh, crud. underwriter asks how much you want? i say at 0% i'd put my mortgage on it, she chuckles. i explain that nat city just gave me 12k, cu 10k and citi cli'd me to 10k, i'd be happy if they could get me in that range. she says hold on, comes back 2 minutes later..... congrats you've been apprved for a new limit of 12k.

[Anonymous]

Congrats, Peas!

That card is on my list, as well.

[Anonymous]

The Duck-

Thanks!  That's awesome to know.  I came across a few of your posts while I was searching but I didn't find the end result!

My CRs have a few flaws, that's for sure.  EX shows 1 CO (that old CU $1 that is now paid), and TU has 1 med collection.  Both have the 90 and 120 lates for Sallie Mae.  I think I'll be patient with the CLs and try to let them come naturally.  I'm really skirting the limit for INQs for the MTG this fall.  This should be the only one that comes in under 6 months, but I want to be sure.

I wonder if I could get them to pull EQ for a CLI if I really needed them to.  My EQ sits at 675 w/ none of the 13 Sallie Mae lates.  (Okay I'm having a hard time thinking that I would NEED them to increase my limit, lol, I have over 28k avail at the moment.)

Perhaps they'll auto CLI me once I appear on the 25k card as an AU.

Altho -- if they gave me 75k I could put my current mtg on there and forget about the refi.  Interesting. 

Cheddar -

You mean I beat you to SOMETHING other than the Target CLI?  I'm amazed - you're definitely the credit golden boy compared to me!  I say GO FOR IT!  (In October, of course!)

-P

[Anonymous]

peas my only remaining baddie is a paid med collection and it's on ex. boa usually only pulls ex and tu, not sure they'd go for an eq score.

[Anonymous]

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dnm45227 wrote:

peas my only remaining baddie is a paid med collection and it's on ex. boa usually only pulls ex and tu, not sure they'd go for an eq score.

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Oh well, lol.

I'm going to work on getting those Med collections off.  I know there isn't anything I can do about the sallie mae lates, tho the 120s should be gone next month and I'm thinking the 90s will be gone in 3 months if they continue on their recent removal structure.  I tried to get rid of the $1 derog, tho after seeing what it did to EQ (recently missed a payment, date unknown update on CR) I'm not touching that one again.  I have a 30 day late with GEMB/CareCredit, but I'm going to call and ask for it to be removed and if they refuse, then I will cancel.  I just don't need the card and can live w/ the 30 day (3+ years old).

[Anonymous]

Perhaps I'm beating a dead horse here, but I can't stop scoping out this card.

FinanceGlobe says the min score for getting this card is 786.  SEVEN-EIGHTY-SIX!  LMAO!

(Am I allowed to mention them here?  Please zap me if I can't.)