was it offered online or in a letter?
Mine was mid 500s, a fairly serious baddie (unpaid tax lien- but it’s old- 2003), several lates (more than I can count offhand), messed up student loans, 2 charged off ccs, etc. on the + side, I had other ccs (orchards, first premiers) opened for 1 yr and had not had any baddies since 03. applied for platinum plus and got the 99/500 counteroffer. Can’t wait for it to unsecure b/c it will put me back in prime land- and the land of 4 digit CLs.
I know.....I wasn't sure if the op had been offered that card as you can still get denied for it even after they offer it.
Really?I read that on the darkside board....and they were bitching and moaning.....maybe thats why they are the darkside (not as reliable?)
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Message 35 of 38
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BA 99/500 offer popped up immediately online and then was emailed to me. however, denial for platinum plus letter (received AFTER I already sent the $ for the 99/500) only had the offer for the regular secured. Created a bit of a glitch w/BA (ex., cc arrived w/a 100 CL lol), but in the end, all was solved and I got the 99/500. have had it since late 4/08- ficos have risen 100+ points since applying/getting the cc (though that�s probably due to some old lates falling off, accts aging, getting other ccs like cap 1, hooters, and target). when BA unsecures, the expected CLI will allow me to dump the last of my subprime ccs (orchard), so i'm so thankful i got it.
I burned BA on 2 ccs in my younger/dumber years, but those unpaid chargeoffs had been off my reports for 2-3 years, so apparently BA doesn�t have the memory of an elephant like amex.
btw, check out us bank, wells fargo, or citibank for other good secured ccs that graduate.