It means that they will have to do a manual review because your score was not high enough to get approved by the computer at bank of america
The credit score is low and i guess it will be tough to get approved
it also means for you to call to get a analyst to look at it
good luck and i hope you get approved
BoA is weird with their pre-approval site. When you put in your info it has to say Mr./Mrs. X, You are PREAPPROVED for.......
if it doesn't give that message and just sends you to a page for a card, it's not a preapproval.