Applying for a credit card

[Anonymous]

Got the Credit Decision email and it took me to the sorry BUT... Page and I accepted

[Cory]

What card is this that you guys are talking about? I wanna know

Cory

[Boswd]

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FICO_Focused wrote:

Got the Credit Decision email and it took me to the sorry BUT... Page and I accepted

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yeah that's all I got too.   I went back online and talked with the chat person.    She said it's normal not to get a confirmation email about the secured card.   She said it takes up to 5 business days for them to debit your account and up to 15 days for you to receive the card.

[Boswd]

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Cory wrote:

What card is this that you guys are talking about? I wanna know

Cory

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It the Bank of America  partial secured card   the $99/$500.   You pay a $99 deposit and you get a $500 credit limit.    You have to apply for their platnium credit card ( It's a credit rebuilder), if you don't get that card, and if you qualify, they will send you a counter offer card, that's where I was accepted for the $99/$500 card.

[Cory]

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Boswd wrote:

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Cory wrote:

What card is this that you guys are talking about? I wanna know

Cory

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It the Bank of America  partial secured card   the $99/$500.   You pay a $99 deposit and you get a $500 credit limit.    You have to apply for their platnium credit card ( It's a credit rebuilder), if you don't get that card, and if you qualify, they will send you a counter offer card, that's where I was accepted for the $99/$500 card.

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Thank you. You have to have a account with them though. I don't have a account with BofA and don't want to with those ridicules fees.

Thanks though.

Cory

[Boswd]

yeah there fees can get a bit nasty, but If you do a direct deposit they all get waived.  I enjoy BOA, alot of online resources and even have free budget online programs that are similiar to Quicken.  

[Cory]

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Boswd wrote:

yeah there fees can get a bit nasty, but If you do a direct deposit they all get waived.  I enjoy BOA, alot of online resources and even have free budget online programs that are similiar to Quicken.  

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Thanks for sharing the information.

Cory

[Boswd]

you're welcome

[Cory]

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Boswd wrote:

you're welcome

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Do you know if some of the lender pull a certain credit bureau? I would think not all lenders pull experian, Equifax or Transunion.

I'm trying to get around from pulling experian.

Cory

[girlie]

hey everyone, look at the amex thread.  i was just approved  instantly for an amex gold skymiles card this weekend.  many others reading that thread applied and were approved with scores in the high 500s.  it is NOT a secured card and from what i understand pretty easy to get.

fyi i received a 1000 cl and my scores are 635 tu, 643 eq, 666 ex

good luck.