I got "preselected to receive the BankAmericard Cah Rewards Platinum Plus Visa Secured" card in the mail in July. The request form is simple, it has my prior application information tracking on it as well as a few lines asking for BoA account number, DOB, SSN, Occupation, Phone number, Signature.
The thing is, I don't currently have a BoA checking or savings account. I had one prior to Bk in 2012, but it was closed due to overdraft. Is it a requirement to bank with BoA to have a credit card with them?
Fast forward to now, the online application to open a bank account won't even let me, claiming a prior issue with a bank account with them. Am I SOL with BoA as far as getting an account with them? I wanted the secured card as a way of rebuilding my credit, maybe having it turn into a larger CL in the future.
@newhis wrote:You don't need a bank account with them to get a credit card, but if they don't give you a bank account for past issues I don't know if they will approve you.
Maybe you can try by visiting a branch and if you are willing to burn a HP. Without a BoA account you will not get an extra 10% from the rewards you get. Good luck.
I called and they looked at my past accounts, two were IIB. She said one was still reporting to ChexSystems, even though they cleared it for me last year, so she started a dispute and told me to call back on Wed.
I think I'll open a savings account and a secured card, just to get started with BoA again, if they'll have me.
@Anonymous wrote:
@Taoron wrote:I got "preselected to receive the BankAmericard Cah Rewards Platinum Plus Visa Secured" card in the mail in July. The request form is simple, it has my prior application information tracking on it as well as a few lines asking for BoA account number, DOB, SSN, Occupation, Phone number, Signature.
The thing is, I don't currently have a BoA checking or savings account. I had one prior to Bk in 2012, but it was closed due to overdraft. Is it a requirement to bank with BoA to have a credit card with them?
Fast forward to now, the online application to open a bank account won't even let me, claiming a prior issue with a bank account with them. Am I SOL with BoA as far as getting an account with them? I wanted the secured card as a way of rebuilding my credit, maybe having it turn into a larger CL in the future.
First, best of luck and hope it works out for you.
FYI - I had a co-worker in the past open an account with BOA after a similar overdraft situation. Once they funded the new account that BOA approved they went and reclaimed the funds that were lost in the prior overdraft. Not saying this will happen to you, just saying I know one case for a person who "got back in" with BOA and they were certainly surprised at the reclamation of funds.
Even if they confirmed it was discharged debt?
