Here are the details requested:
TU 7/07: 537
EQ 7/07: 561
EXP7/07: 532
TU 1/08: 717
EQ:1/08: 680
EXP:1/08:694
The past 6 months have been a lot of hard work! But it has paid off! The CL on this card is low $2500 but it is something and I will ask for an increase in a few months.
After receiving no "offers" from BofA I was feeling pretty down--especially when I considered the amount of $$$ we have in the bank. DH lives in Hong Kong most of the time so he really has no use for another US card. I was complaining about BofA to DH who suggested I go directly to the bank and speak with someone. Well, ironically, a "pre-approved" message appeared before I even went to the bank. So, I went in spoke with the manager and was very up front...I knew exactly what my report looked like (not too bad after all of the clean-up) and told him that I wanted the card but I did not want to apply, get denied and take a hit for the inquiry. Certainly DH could get me a card with a much higher limit but I wanted one on my own! I also indicated that we would have no problem moving our deposits from BofA if they did not come through for me. Anyway, I got one...so now I am happy. For some reason I have a suspicion that our relationship with the bank etc influenced the decision--maybe I am wrong. I also, don't know how much household income influenced decision--I would think that based on household income they would have given me a much higher CL--but I am not complaining
Starting Score: 469
