applying for a bofa secured please help

[Anonymous]

hi everyone , going to apply soon for a bofa secured card $3000 my score is about 650

whats my cnaces to be approved i have 3 accounts orchard 320 limit macys card capitol one 500 limit all  is zero balance oldest acoount 3 years the the  only negative is a 30 day late from jan 2010 will  this  efect me from getting approved ??

and i have about 14 inqurires will this effect ?

if i do get approved will the new account boost my score??

thanks

[Anonymous]

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@Anonymous wrote:

hi everyone , going to apply soon for a bofa secured card $3000 my score is about 650

whats my cnaces to be approved i have 3 accounts orchard 320 limit macys card capitol one 500 limit all  is zero balance oldest acoount 3 years the the  only negative is a 30 day late from jan 2010 will  this  efect me from getting approved ??

and i have about 14 inqurires will this effect ?

if i do get approved will the new account boost my score??

thanks

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BofA is considered one of the harder secured cards to get, but your negatives are minor.   I think you got a good shot.  

IMO, A secured card with large limit is a very good way to build your credit history.   It puts you in a much better position in a few years from now.   It is not likely to change your score much in the short term.     

[texasman07]

My score was about 620 when I applied. i had one charge off in 2008 and one in collections that was paid about a month out before I applied. When I had the collections I applied and was instantly denied. 1 Month after the paid collections hit I appled for the Power Rewards Unsecured, i was denied BUT I was given the counter offer of the Power Rewards SECURED CARD! I have had it for one month and Love it!

If I were you I would apply for the Unsecured Cash Rewards or Power Rewards and see if they counter off the Secured. Although you might have to take 2 Inquiry hits. Hope that helps

[brian2220]

its a hit and miss with them 

i got denied for a secured card with all my scores above 750 

they blamed my income but everyone else gave me credit 

and i had 3 inquires in 6 months 

[TravellingNomad]

i had an unsecured card with BofA.  they gave me one a few years ago with a limit of $500 due to my credit score.  i didn't use the card all that much, but cancelled it because i used the card for on online purchase, and their system recorded it as a cash advance.  when i called them regarding it, they did not want to do anything.  i told them that i've made purchases from the same company many times in the past and it was only that time they considered it a cash advance.  got pissed so i cancelled and paid off the balance.

if b of a denies you for the credit card you wanted or applied for, they'll offer you one of their other credit cards.  at least that was my experience with them.

[Anonymous]

hi again

my equifax  report  is clean from inquiries and zero banaces and if i get the bofa secured i wanna apply in a few weeks for a card that pulls equifax like citi witch citi card is the most easiest card to get approved ??

Whats my chances with usaa i am not a  full member ? dicover ?

[Anonymous]

hey everyone applied this morning and i called to bofa secured i was told i am approved

anyone knows wen bofa will report it on the report

[Anonymous]

Did you try to get the unsecured first?

[Anonymous]

they will report it ASAP.  I remember seeing it in my TU credit report even before I got my CC