I was reading some posts about how cool BofA was and since so many of my baddies are really old and falling off within 12 months I decided to try and open a new TL to start building new pos history. I went to BofA website and chatted online with an agent. My question to you all is; should I bother applying?
TU=465 EQ=449 EX=517
Here's the transcript. 
Tiffani: Hello, I would be happy to assist you in selecting the credit card that best fits your needs.
you: hi, i'm trying to rebuild severely damaged credit and I heard that you had a secured option that was available to people like me. Can you tell me more about it?
Tiffani: Yes I would be happy to help
Tiffani: Please click here for information regarding our Secured card.
Tiffani: With the Secured Card, you make a minimum deposit of $300. The Secured Card then works like a regular credit card with a $300 limit.
you: ok, thats awesome. I just found out last year that I'm on chexsystems and I'm still trying to figure out why. Will this prevent me from opening an account with you?
Tiffani: It could. So I would check that out first before applying
you: check it out with chexsystems or check it out with a BofA branch?
Tiffani: Go to chexsystems first
you: ok. one more thing. have you heard of 99/500 card? someone mentioned this as a product that you offer.
Tiffani: Yes, I have. It is offered when a regular application is declined, and it is invitation only
you: any idea what your FICO scores need to be to qualify?
Tiffani: No I do not have that information, but You can apply for the unsecured visa and see what happens, that way your credit is only accessed once
Tiffani: And you get the best card we can offer
Tiffani: That way you do not have to go through chexsystems unless you have to
you: ok cool. thanks so much for your help. this chat thing is really cool. have a wonderful day!
Tiffani: You too Did you wan that application ?
Tiffani: Please click here to apply for the Visa Platinum Plus card.
you: i will consider applying. my scores are pretty low so not sure if i will or not. Thanks again for all your help.
Tiffani: I understand your concerns; the good news is, if you get declined, the bank will re-evaluate your application to see if you are eligible for anything else based on what you submitted today. This means that there is no additional credit check and allows you to exhaust all your options!
you: hmmm, it's nice that they minimize the inquiries like that. will take it under serious consideration. appreciate the info.
Tiffani: You are welcome
Tiffani: It was a pleasure assisting you today. To exit this chat session, please click the Close button. Thanks for choosing Bank of America, have a great day!
you: hi, i'm trying to rebuild severely damaged credit and I heard that you had a secured option that was available to people like me. Can you tell me more about it?
Tiffani: Yes I would be happy to help
Tiffani: Please click here for information regarding our Secured card.
Tiffani: With the Secured Card, you make a minimum deposit of $300. The Secured Card then works like a regular credit card with a $300 limit.
you: ok, thats awesome. I just found out last year that I'm on chexsystems and I'm still trying to figure out why. Will this prevent me from opening an account with you?
Tiffani: It could. So I would check that out first before applying
you: check it out with chexsystems or check it out with a BofA branch?
Tiffani: Go to chexsystems first
you: ok. one more thing. have you heard of 99/500 card? someone mentioned this as a product that you offer.
Tiffani: Yes, I have. It is offered when a regular application is declined, and it is invitation only
you: any idea what your FICO scores need to be to qualify?
Tiffani: No I do not have that information, but You can apply for the unsecured visa and see what happens, that way your credit is only accessed once
Tiffani: And you get the best card we can offer
Tiffani: That way you do not have to go through chexsystems unless you have to
you: ok cool. thanks so much for your help. this chat thing is really cool. have a wonderful day!
Tiffani: You too
Did you wan that application ?Tiffani: Please click here to apply for the Visa Platinum Plus card.
you: i will consider applying. my scores are pretty low so not sure if i will or not. Thanks again for all your help.
Tiffani: I understand your concerns; the good news is, if you get declined, the bank will re-evaluate your application to see if you are eligible for anything else based on what you submitted today. This means that there is no additional credit check and allows you to exhaust all your options!
you: hmmm, it's nice that they minimize the inquiries like that. will take it under serious consideration. appreciate the info.
Tiffani: You are welcome
Tiffani: It was a pleasure assisting you today. To exit this chat session, please click the Close button. Thanks for choosing Bank of America, have a great day!
You can even apply with a matricula consular card and no ss#...
montana wrote:unlike WAMU or WELLS FARGO,BOFA does not check the chexsystems!you can open an account with a passport and a state ID, SS. Then apply for one of their secured cards. You'll have better chances.Good luck.,
