beenthere wrote:No secret about BofA. They flat told me CC of any kind because of old BK I included them in.
Here is my experience based on chargeoffs w/ba and cap 1. note: chargeoffs were OFF my reports before I applied for ccs again. new ba/cap 1 ccs were issued in 4/08.
Ba- declined for ‘regular’ cc (probably due to my low ficos rather than my past w/BA), issued 99/500 cc which, per BA will unsecure in 9-12 mos./graduate to a ‘regular’ cc w/a HIGH CL if I keep it in ‘good standing’ (PIF, low utilization, no lates, overlimits, etc.)
Cap 1- instant approval, issued cc (low cl- 300), indicated i would get 'regular' CLIs if i keep it in 'good standing'
Neither co. mentioned my past history w/them, so apparently they don’t blacklist for forever. Amex on the other hand…well, they DO blacklist for forever apparently and said as much when I tried to take them up on a preapproved offer they sent me. note: the chargeoff w/amex was OFF my reports at the time. amex has a VERY long memory as my 'bad behavior' w/them is going on 10+ yrs and apparently they'll never love me again
marty56 wrote:I closed a card with Cap 1 a few years back and have never gotten any offer from them again including there pre-approval website.Dont want to waste an INQ to find out and I have access to better CC if need be.I had a BofA card in DMP and they treat DMP people worse then if you do a CO.Just my thoughts but with so many choices out there and possible better ones, why would you go back to a CCC that you had a problem with in the past?