ok after reading all these BoA threads... and already having a 99/500 for 2 months..
I was playing around on website for preapproval of BoA and last time I was on they didnt pre-approve me nothing but secured but this time I was pre-approve for AMEX, Visa, and some other card for a credit limit of $2500.....
so now it got me thinking...... what is the chance of me getting approved? I do got 1 CA (dropping off next year 4/09) and 1 CO (dropping 2011.. with CO date of 3/2006 but 4/2004 dola) on EX.
Since the last time my util has dropped down to 3%
and got couple new CC n' Store Card and EX jumped couple points...
so... should I just take a inq hit and apply online?phone? or wait for 99/500 graduate and product change?