has anyone got a bank of america card when they already charged you off?

[johnpalley]

i maxed out a bank of america credit card 3 years ago and i never paid it.i owed 6000 dollars. after that it got charged off because i never paid them and ever since then ive been rebuilding my credit. yesterday i got a notice from them saying im pre selected for a credit card with 0% apr the first year and no annual fee. have any of you gotten another credit card after a card from the same company was charged off because you didn't pay it. do you think they will give me another card when i call them. my mother said she got her card the same way. she got pre selected with bank of america called them up and got a 10,000 dollar limit.

Message Edited by johnpalley on 02-19-2008 02:05 PM

[Anonymous]

Remember Pre-selected does NOT mean approved!  Go to their site and do the soft inquiry and see if they offer you anything.

[johnpalley]

brammy, i know all that already i just wanted to check if it was most likely not possible because i dont want any inquiries on my credit report. if people have done it before than it looks good for me and i will do the soft inquiry. Message Edited by johnpalley on 02-19-2008 02:12 PM

Message Edited by johnpalley on 02-19-2008 02:14 PM

[Anonymous]

I recently got a BofA card and I had an MBNA charge-off from 2000.  I applied early last year and was declined.  I then apped and received a secured BofA card.  Last month the secured card "graduated" to unsecured so now I have an unsecured BofA account.  Of course, YMMV.

As previously mentioned my CO was from 2000 and has since fallen off my reports.  I wouldn't have had the guts to apply 3 years after a CO.  You could be waking a sleeping dragon by apping with BOA so soon, especially if the debt is unpaid and within the SOL...

[johnpalley]

lurknomore , what does mbna stand for?

[Anonymous]

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johnpalley wrote:
lurknomore , what does mbna stand for?

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Maryland Bank N.A was bought by Bank of America...

[Anonymous]

MBNA was acquired by BofA in 2006 so because I had defaulted with MBNA in 2000, I was deemed to have defaulted with BofA and thus initially denied unsecured credit with them.

Message Edited by lurknomore on 02-20-2008 01:18 PM

Message Edited by lurknomore on 02-20-2008 01:23 PM

[johnpalley]

thanks for the info. i will let you all know what happens after i apply