BoA Approval

...been a bit since I have apped for anything......did request and got a 5k CL increase on my local CU visa a few months ago I thought...."hey, what the heck..." so I apped online for a BoA cash rewards card today.......viola.........instant approval.....5k CL I'll take it. this journey back to good credit has been interesting and rewarding. Thanks to this place......I am getting educated.

Big congrats on your new BofA card! I agree, this place is awesome! Education is everything.

Similar Messages

OOPS! BOA recons?! Update: post #40! Update#2: Approved for BBR!!!!

jaylau17 wrote:
So I bit the bullet and applied for the Better Balance Rewards and got an insta-deny. I have a 676 EX FICO, which is what BOA pulled. I have 12 EX inquiries (luckily, only two of them from the last 6 months). Anyway, I called BOA's number for a credit analyst to recon and the analyst would not budge, even after I asked for a $500 limit just to get my foot in the door. She cited two reasons:1) Too short of credit history (AAOA about a year and a half) 2) 6 late student loan payments on two student loans (12 lates in total) from 2013 (this is what I expect is the real reason for the denial). I then asked if there was a secured version of the BBR card (which she did not directly answer, but I suspect the answer is no), but she did say if I wanted a generic secured card, I would have to apply for one. I told her no thank you, as my EX FICO score -- while not phenomenal -- is at least high enough that I do not have to settle for a secured card without rewards. Strangely, at this point, she said that they don't use FICO in their determinations -- that they just look at the credit file as a whole. Anyway, I have a few questions that I hope to uncover some answers to:1) What is the minimum limit for approval on the BBR? Or at least the minimum you've heard of?2) Is it worth a second recon? Has anyone who has personal experience with BOA recons ever been denied on the first recon but approved on the second? 3) Do you think I might have a chance at approval if I request they pull TU as well? My TU is 30 points higher -- 706. Do you REALLY need the card? or you just want it...just curious You seem to have good cards already.

jaylau17 wrote:
So I bit the bullet and applied for the Better Balance Rewards and got an insta-deny. I have a 676 EX FICO, which is what BOA pulled. I have 12 EX inquiries (luckily, only two of them from the last 6 months). Anyway, I called BOA's number for a credit analyst to recon and the analyst would not budge, even after I asked for a $500 limit just to get my foot in the door. She cited two reasons:1) Too short of credit history (AAOA about a year and a half) 2) 6 late student loan payments on two student loans (12 lates in total) from 2013 (this is what I expect is the real reason for the denial). I then asked if there was a secured version of the BBR card (which she did not directly answer, but I suspect the answer is no), but she did say if I wanted a generic secured card, I would have to apply for one. I told her no thank you, as my EX FICO score -- while not phenomenal -- is at least high enough that I do not have to settle for a secured card without rewards. Strangely, at this point, she said that they don't use FICO in their determinations -- that they just look at the credit file as a whole. Anyway, I have a few questions that I hope to uncover some answers to:1) What is the minimum limit for approval on the BBR? Or at least the minimum you've heard of?2) Is it worth a second recon? Has anyone who has personal experience with BOA recons ever been denied on the first recon but approved on the second? 3) Do you think I might have a chance at approval if I request they pull TU as well? My TU is 30 points higher -- 706. You could always call back and ask for a Senior Analyst. I know of a fella who called these guys about 100 times over a course of 5 days and eventually got approved for a Travel Rewards. Don't give up so easy on this card, I have 4 of them and love the $480/yr I get from them for approximately $1,000 of spend.

Recent BOA increase/Chase consolidation-GREAT...Discover Approval-lukewarm

It's been a while fellow Ficoers, but good to see all the credit good that's coming from everyone's hardwork! Anyway, against my better judgement coming out of the garden, I decided to see if I could get a CLI on my BoA 99/500 cash rewards card that's been stuck at 1k CL. I talked to the credit analyst and she advised she would love to increase my line, but she advised she could not due to 2 new medical collections from April 2015. In a Scooby Doo voice I wanted to say urrrhh, lol! I advised I had no idea what she was talking about, so she gave me the info on my TU report. I don't remember getting any alerts either, so I was truly stomped because I thought I took care of everything except 1 med collection I am still disputing. Anyhow, I called the collection agency and then I called the docs office they stated I owe, which I knew I didn't owe and the doc office confirmed I didn't have a balance. I pulled my report since I put the collections in disputed and within a day they were both removed. My scores stabilized, 720 TU and then I called BoA credit analyst and the nice gentlemen reviewed my account and advised he would put a request back in. I checked 1 day later and my new BoA limit was at 5k, very happy since they are also sending me a siggy card, waived the annual fee, and gave me a 0% balance transfer promo

It's been a while fellow Ficoers, but good to see all the credit good that's coming from everyone's hardwork! Anyway, against my better judgement coming out of the garden, I decided to see if I could get a CLI on my BoA 99/500 cash rewards card that's been stuck at 1k CL. I talked to the credit analyst and she advised she would love to increase my line, but she advised she could not due to 2 new medical collections from April 2015. In a Scooby Doo voice I wanted to say urrrhh, lol! I advised I had no idea what she was talking about, so she gave me the info on my TU report. I don't remember getting any alerts either, so I was truly stomped because I thought I took care of everything except 1 med collection I am still disputing. Anyhow, I called the collection agency and then I called the docs office they stated I owe, which I knew I didn't owe and the doc office confirmed I didn't have a balance. I pulled my report since I put the collections in disputed and within a day they were both removed. My scores stabilized, 720 TU and then I called BoA credit analyst and the nice gentlemen reviewed my account and advised he would put a request back in. I checked 1 day later and my new BoA limit was at 5k, very happy since they are also sending me a siggy card, waived the annual fee, and gave me a 0% balance transfer promo

BOA Wrongly Charged Off Account, advice?

Hi all – Just wanted to get some advice on what you think the best course of action should be on a previously charged off BOA account (FYI, I paid in full last month so the account is completely closed now) As some backstory: 2014 Statement requires a $500+ payment due by 2/1/14 to bring account up to date1/31/14: One day before due date, I make the requested payment by phone1/31/14: Despite making the payment before due date, BOA charges off the account on the same dateBased on a closer review of the statements, it shows:My original Pay By Phone Payment posted on 1/31On that same day, BOA appears to have reversed that Pay By Phone so they could transfer the funds to the newly charged off account (which has a different acct number)The transferred payment posts to the charged off account on 2/1 (which they keep hinting that the 2/1 date makes the payment too late to avoid charge off)On my credit report, BOA ignored my January payment and counted January as 150 day late and February-onwards as CO. I called BOA today and after reviewing my case, the representative sent in a charge off reversal request but could not guarantee it would be approved. She also insisted my credit report would be “updated” appropriately. I pushed on this and stated I think the entire TL needs to be deleted as the history thereafter could never actually be accurate. Even if they removed the charge off, how could they genuinely say any reporting thereafter is a proper reflection of the account? She pushed back and just said we need to work on the Charge Off first and I should hear back by next week. My question to everyone here is, should I just let the internal BOA process sort this out and hope they delete the TL? Should I call back and escalate to a supervisor? Should I just bypass them altogether and submit a case to the CFPB/BBB/CRAs? Since this has been entirely over the phone, I’m also a little worried there’s not enough of a paper trail (which is why I was wondering if I should dispute via another source). Regardless, I do have copies of the statements as well as the 1/31 electronic check they cashed, and a June copy of my CRs showing how they ignored the Jan payment and marked Feb-on as CO. Any advice you guys can provide would be great, thanks!

A creditor does not report the date they do the actual accounting that constitutes a charge to profit and loss in their books.That is an internal business process for which actual dates need not be reported.When they report a charge-off, they report only that they have previously taken that measure.All that is required under the FCRA is that once they have reported a charge-off, they must also report the DOFD on their account within 90 days. It is unclear as to how, based on the posted scenario, that the consumer could determine that they wrongfully did a charge-off based only on the date paid vs the billing due date on their last bill.

2 seperate app spree's, 8/9 approved!!@!

Ok, so I came out of the garden prematurely. Was suppose to garden until Nov or Dec 2015 but got anxious because there were still some cards I wanted. App'd for Chase, Amex ED, Discover It and Abercrombie & Fitch (because my son loves that store). Approved on all but Chase citing too many new accounts. Discover (3,000), Amex (1,000) and Abercrombie (700.00). I then waited 2 weeks and decided to try again and was approved for Neiman Marcus (dont know my limit yet), Macy's (1,000) and Walmart (asked for 5,000 but only got 2500), BoA (got denied but then got the 99/500 deal which I accepted to get in the door with them) and approved for TJMaxx store card (my personal favorite store, approved 700.00). Now in garden for new target end date of March-April 2016. Will come out to app for higher limit cards.Current Scores are: Exp 689, Trans 676, Eq 632. BK due to fall off end of 2016, no baddies!

Congratulation on all your approvals!

BoA Power Rewards CLI to 30K! :)

I've been working on my scores lately by minimizing my utilization by paying in full right before the closing date. BoA gave me a pretty sweet 0% offer (until Jan 2017) that I took advantage of for about 9K, but when my scores all peaked over 800 for the first time I decided to push it a little to try to increase my max CL. When I used the auto CLI button with a HP online (pulled TU), they bumped my CL from 9500 to 18,800. I called into the backdoor number, talked to an analyst and told her I wanted to see if I could get the 30K that I requested because I am buying a car(which is true) and wanted to use it for that. I was showing maybe 1% utilization (not including the 9K with BoA that wasn't showing on my report yet) and had a few inqs. She said a senior analyst would have to review it but her recommendation would be to approve it. 4 days later...30K! I had several other 25K cards so this isn't a huge stretch but I finally broke past the 30K mark which will hopefully cause other banks to match in the future. TWM

TravelWithMiles wrote:
I've been working on my scores lately by minimizing my utilization by paying in full right before the closing date. BoA gave me a pretty sweet 0% offer (until Jan 2017) that I took advantage of for about 9K, but when my scores all peaked over 800 for the first time I decided to push it a little to try to increase my max CL. When I used the auto CLI button with a HP online (pulled TU), they bumped my CL from 9500 to 18,800. I called into the backdoor number, talked to an analyst and told her I wanted to see if I could get the 30K that I requested because I am buying a car(which is true) and wanted to use it for that. I was showing maybe 1% utilization (not including the 9K with BoA that wasn't showing on my report yet) and had a few inqs. She said a senior analyst would have to review it but her recommendation would be to approve it. 4 days later...30K! I had several other 25K cards so this isn't a huge stretch but I finally broke past the 30K mark which will hopefully cause other banks to match in the future. TWMAwesome! Congrats!

Business Credit Cards That Approve without 2years History

Capital One Spark Approved me for 2000 with a personal guarantee. Which I'm excited about. My first business card. Business has only been established since March of this year. I was wandering are their any other business credit cards that are friendly when your business is not at least 2 years old

SixFigures15 wrote:
Capital One Spark Approved me for 2000 with a personal guarantee. Which I'm excited about. My first business card. Business has only been established since March of this year. I was wandering are their any other business credit cards that are friendly when your business is not at least 2 years oldCongrats on your CAP 1 approval. Most of them go by personal credit and keep in mind this CAP 1 business card will report to your personal reports. Most business cards don't unless you default. To answer your question, yes you can apply for business credit with your time in business.. Look into Amex, Chase, Citi, BOA etc..

Walmart Approval - Very Thin File

Hi, all! I figured I'd come and brag, because I've found these posts helpful for my research for approval odds and the like. And I'm also very surprised and happy! I came here before to seek advice for building credit. I got my first two cards about 2 months ago-- BoA secured and Cap1 QS1. They just began reporting a couple of weeks ago. My FAKO scores range from (myFICO can't find me) 670-699. The only things on my report prior to the cards were 2 tiny student loans with 100% on-time since 2011, and a paid medical collection from 2011 is on Equifax. So, a friend and I had a few drinks, and she convinced me to apply for the Walmart card with her. I was greeted by the 7-10 message in my email, and regretted it. I had lost 30 points due to inquiries over these last months. However, I forgot I had a fraud alert, and recieved a request for information in the mail today! So excited! I just called, and they couldn't verify me on the phone, but they said they'll ship the card out and it will be done upon activation. Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. My yearly income is only $22,000, as a waitress, so I was pretty stoked! BoA only has a $300 CL, and the QS1 $1000. So my highest yet! I'm a little confused over whether I have the store card or the Mastercard. The mail was from Synchrony Bank, so I figured it may be the Mastercard, but all good no matter what. Either way, it's something. Maybe someone could clear tthis up for me. Anyway, I'm just so excited to have an even better footing off of which to build my credit. Also, I found myself preferring to use the credit cards over my debit card. I put most of my monthly spending (I'm not a big spender) on them, but it left me at 23% util, which is a little high. This will help with that issue as well!
For once, a drunken mistake has turned out to be a wise decision.

thrashette wrote:
Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. LoL, Walmart gave me a $150 starting limit Big Congrats!!

BOA Rejection

Edits: I applied for a new BOA credit card with 2 existing cards already with them.Sorry for the typo on the score earlier.My limits are $2000 and $ 2000.
Have a FICO score of 753 and two cards with BOA. They rejected me since they said that I already have sufficient credit with them. I even offered to use some of my other credit from my other cards, but they said that will not be possible.
Called 866-618-4585 and 8885036092 and both have the same answer.
What should I do, just accept the rejection ?

DigitalPicasso wrote:
Sorry don't mean to thread jack... My wife and I had 3 B of A CC with them for over 10 years $8k $5k and $2k I believe. She closed the accounts about 4 years ago everything paid off and no lates. I applied for a B of A CC recently and got countered a $500Cl but I had to make a deposit of $99 and an annual fee of $59, I declined the offer. Should I call and see if they can reconsider me for a regular card instead?What is the reason they are offering you a secured card. Did you burn them or something?. I would find out the reason for the denial before pursuing any further. of course you can always call and try. But with that kind of history with BOA. it should have been instant approval. as regardless of not being on your credit report now. they would still know who you are. somethings wrong with Boa. find out asap

Need help: Lows Approval vs Venture CL Use

Hi everyone, need your advice and helpful knowledge on this. Sorry is too long but i know you all love the details  As previously stated on other threads, I live in a HOA property and my fence formally got approved...waiting on county to draw new property lines and make it official on paper. I need to spend a total of about $5000 on fence materials: Should I apply for Lowes special promo and request the 5.99% for 84 months at check out? (must spend a least $3500 for offer which will be no problem obviously). On this promo, not sure If I can pay off early or If I'm only allow to make the minimum payments...ewww OR Use my Venture with $15,000 CL. I will make a $600 payment on it right away which will put me at 30% UTL when reporting to CR on first statement.   My UTL will decrease by 3% (about) each month as i will be making $600 payments. I know is no brainer BUT, what If I don't get approved for Lowes, I don't want another HP or a second denial when calling recon; not even sure if they'll give me enough of a CL to purchase $5000 worth of fence materials. Either way I go, I will be making $600 dollar payments until paid off, sometimes I will be able to do $650.   Can you make higher payments on Lowes promo?Would it be worth it taking a chance for Lowes and the HP?Other options? NO Home Depot, burned a Citi Card in BK and already got denied for double cash card in June/2015 Venture has a 17% APR, which i can request a lower APR (12.99%) but not guarantee. SCORES NOWEQ 655, TU 639, EX 660 (scores should go up a bit after balances reflect $0) STATS AS OF 9/6/2015 below (The stats below will be reflecting in my CR per my closing statement dates when applying for the card)Venture Card #1 - $0 BalanceVenture Card #2 - $0 BalanceCSP - $0 BalanceBarclay - $0 BalanceDiscover - $0 BalanceJCrew & Express - $0 BalanceQS - $2500 Balance out of $10500 CLIncome - $71kCH7 discharged - 10/2010, will be at 4 yrs 11 months in 9/1/2015 (burned macys, walmart, citi bank, chase, best buy card, paypal, cap1, target, military star card, usaa Denied for AMEX ED, BOA Cash Card, Citi Double Cash & Chase Freedom in June/2015 INQUIRIES
    EQ TU EXJUNE 2015Citi Bank
June 25, 2015
Discover Bank
June 25, 2015
Barclays Bank Delaware
June 25, 2015
Discover Financial Ser
June 25, 2015
Amex
June 25, 2015
Citi Bank
June 25, 2015
Chase Card
June 25, 2015
Bk Of Amer
June 25, 2015
MAY 2015Capital One Bank Usa
May 27, 2015
Capital One Bank Usa Na
May 27, 2015
Cap One Na
May 27, 2015
Chase Card
May 27, 2015
NOVEMBER 2014Rental lease app
November 11, 2014
Mortgage home purchase
November 11, 2014
Rental lease app
November 11, 2014
JULY 2014Pentagon Fcu
July 10, 2014
-- Thanks all!

Personally I'd go with the Lowes card. This is one of the few store cards which fits pretty much any home owner, and their promos for rates just don't suck. It's even on my list whenever I go buy a real home someday in the future where it's a foregone conclusion around here I'm probably going to have to sink 100K into the house to fix it... and probably everyone knows my personal theories about store cards (just say no unless you shop there and their reward structure is better than any national bank cards). Sounds like you know the Lowes promos better than I do since I haven't kept up with them currently, but 6% vs. 18%, no brainer even over 10 months. Inquiries are cheap, non-trivial interest is not... I don't really see your getting denied for it frankly though, only sticking point is that BK with a Walmart card since I think Synch underwrites Lowes, but as I understand it they're fairly BK friendly anyway.

Freedom, Sallie Mae, and Fidelity Approval

Hi everyone. So I'm a 19 year old who has credit history of 1 year with just a Discover It. I was recently approved for the Chase Freedom ($2200), Sallie Mae ($500 haha), and the Fidelity Amex ($1000). I wasn't denied for any cards. I was also thinking about applying for the Amex PRG, but I decided to delay that appliation because I don't want Barclays to close my account for opening too many new accounts, and I can better utilize the rewards if I apply a bit later. Because these are 3 relatively good cards, I'd just like to share my experience so that others like me know that they can definitely get these cards with such little history. So here was my info before I applied for them:AAoA - 1 year (just the Discover It)Inquiries - I had 2 inquiries on TU. One was in June 2014 from opening the Discover account, and the other was in September 2014 for naively asking for a credit limit increase. I had 1 inquiry on EX from a BofA app in June 2014. I had no inquiries on EQ.Scores - TU FICO was 746. EX FAKO was 731. EQ FAKO was 721. Note: All of these scores probably were much lower when I actually applied because my utilization jumped from 7% to 51%. Oops haha.Utilization - 7% before 12th Discover statement cut; 51% after the 12th Discover statement cut. Basically, Discover decided to report a pending flight purchase along with my normal small balance, so while my 12th statement cut at 6% utilization, they decided to report 51% utilization.Income: $33000A bit more background: I'm a college student with two jobs at school, and I make a good amount of money at summer internships, but as you can see with my low limits, I doubt my income played that much of a factor (except with Chase's instant approval). Also, I always pay in full, so my credit history is pretty much perfect. Note: for people who are new to credit like me and are reasonably responsible, this isn't very difficult. So here's how my approvals went (they weren't super easy). I applied for the Chase Freedom first because it was the last day to get the $200 sign up bonus. I was instantly approved. Then, I applied for the Sallie Mae card, and got the 7-10 days message. I immediately called recon and convinced the guy to approve me, and he gave me a $500 starting limit. I asked him if he could bump it up to $1000, but he said he wasn't comfortable with that. I then applied for the Fidelity Amex, and again got the 7-10 days message. I called recon the next day because it was late at night. Unfortunately, the number that most people post, (866) 598-4971, isn't actually a useful number because the guy doesn't seem to enjoy his life and is very unhelpful. He just said that I wasn't approved. I then called some credit analyst number, and they said that wasn't the right number for what I was looking for but transferred me to the right number, (888) 221-6262. That is the currently working FIA recon number. However, they told me that because I was under 21, I had to go to a BOA branch and fill out some forms in person. They were entirely redundant, but those forms had a bunch stuff for guarantors to fill out. I didn't have one so I literally filled out half a page (stuff I had already put down on the online application). It took over an hour because the BOA person had no idea what I meant by the Fidelity card handled by FIA (under BOA), so I had to have her call the FIA recon number, and they figured it out together with my help. Basically, I got the impression that pretty much no one under 21 does this or at least not very much because BOA makes them jump through all these hoops. Anyway, that was on Friday, and I called again today to commence with the recon, but they said that they had already processed that info that I wrote down, and I was approved for a $1000 starting limit. Uh okay, I didn't really give them any information they didn't already have, but whatever haha. Anyway, point of the story is that with enough effort, hopefully you can get approved. Anyway, if you're demographically similar to me and want to read more, here's the thread that follows my going through the whole process.

Congrats! In my wallet: Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000; Barclay Ring Platinum MasterCard. 12,500. Total Credit: 61,800.
6/27-FICO: EQ - 789; TU - 781; EX - 681; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 4; TU: 6; EX 7; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

BOA Secured Graduation?

Okay, so here's my deal. My industry crapped out around 2008, SO and I lost our jobs, vehicles repo'd, no income, hard times wah wah sob story go here... Needless to say, we lived through it but both our scores tanked. I went back to school to finish out my bachelors in 2010, wracked up a cool 40k in student loans before graduating in 2013. I didn't even want to check my credit score back then. I lived in perpetual fear. I remember being so embarassed after a lady asking me if my score was over 600 to waive a utility deposit. Collections on my arse all the time. Just being miserable.
Got my taxes back in spring 2014 and decided to get a secured credit card. My score was barely in the 500s at this point (still up from a low 451 back in 2010, which had been the last time I checked prior!). Went with my banking institution -- I've since realized a credit union would have been a WAY better decision, but I digress -- which was/still is Bank of America. They gave me a $300 secured card. Paid my deposit, put it in my pocket, ran about 70% utilization through the first year of it without really being aware of any of the factors involved in credit.
In December of 14 I got a whim to do some Christmas shopping and idly tried my luck on an Amazon storecard. Didn't expect anything. Got approved anyhow! $700 credit limit. Used it extensively since then, putting lots of things on it and paying it off.
Early this year, someone told me to call BoA after I'd have the secured card for a year to get it unsecured. I was optimistic about my chances. Called them in April 2015 - my score was around a 580 at this point - and the lady reviewed my account and told me that my credit was insufficient and that even though I was consistently paying more than the minimum payment, it wasn't enough to rate unsecuring the card. This upset me way out of proportion to anything else... it was a wake up call. So I made the conscious choice to research credit and figure out how to improve mine. Signed up for all the FAKOs but the REAL source of info was on here (thank you all for all of your advice-- you have no idea how many times an answer was on here spelled out!). Since April I have disputed, EE'd and cleaned up my reports like crazy. I estimate I've raised my score roughly 100 points - I'm hovering around a 675 (FAKO) now. I'm super stingy so I'm waiting to pull my FICOs when I really need to know/before a "real" app.
But then I went on a SCT spree last week... somehow I'd missed it these few months. I scored $500 VS, $4500+300 CLI Overstock, $2500 Sportsmans, $2500 Fuel Rewards. NOT BAD for one hard pull among it (Fuel Rewards), even if I know my AAoA is going to dip.
Then I read something today about chatting up Synchrony and wandered over to Amazon. I asked for 5000 figuring if I could even get 2k that would be awesome. The SOBs gave me 5000!! So WITH ALL THAT BACKSTORY, back to my little secured card. It's my oldest open line of credit aside from the student loans, but now also the smallest. I am trying to figure out now if it is better to: a) leave it alone and wait for BoA to unsecure it on their own; b) leave it alone period and not worry about it; c) do a combo and wait for a set amount of months to call BoA. I even toyed with the idea of upping the credit limit manually by adding another deposit.
My TU has 5 inqs counting the one BoA pulled for the review earlier this year. I have a very large collection falling off in March of next year which is also my last derog on TU; it's a repo and I am planning on buying a car after that clears out, since I'm sure my auto-enhance sucks with it on there right now. Not sure how it will impact how BoA's view on my credit, though I am guessing having 0 derogs is better than having the 6 that were on there when they looked at it in April! Whew, that was a lot just to ask about this. Anyhow... what do you guys think? Anyone out there with experience with BoA secured and rebuilding? (I'm also not sure if I should have posted this to rebuilding instead of credit cards, now that I think about it....) Should I wait for BoA -- will they unsecure it in due time via SP review? Or should I close it since it's a toy limit compared to most of my others now? Or am I just getting eaten up over nothing and I should just ignore it?
ETA: thx JustMe3 for bringing my lingo into line, lol-- 'graduation', that's it!

Hahaha, I felt like I was reading my own story! Also lost a job in 08-09, had my car repoed, had a secured BoA as my only rebuilder, etc.
If it helps, I think my scores were around 630 when I got them to do an early graduation for me. I did throw more money on the card before that and I really wish I'd thrown more now since they will not give me a CLI.
It was a $500 card that I turned into a $1500 with my own money. They of course credited the money back to me after unsecuring it.
I recommend Cap1, btw. They gave me two QuickSilvers six months ago at 1 and 2k limits that are now 3.5 and 4.5k limits that I'm going to combine into an 8k card tomorrow.

BOA Secured Maturation?

At least I think they call it maturation anyhow...
Okay, so here's my deal. My industry crapped out around 2008, SO and I lost our jobs, vehicles repo'd, no income, hard times wah wah sob story go here... Needless to say, we lived through it but both our scores tanked. I went back to school to finish out my bachelors in 2010, wracked up a cool 40k in student loans before graduating in 2013. I didn't even want to check my credit score back then. I lived in perpetual fear. I remember being so embarassed after a lady asking me if my score was over 600 to waive a utility deposit. Collections on my arse all the time. Just being miserable.
Got my taxes back in spring 2014 and decided to get a secured credit card. My score was barely in the 500s at this point (still up from a low 451 back in 2010, which had been the last time I checked prior!). Went with my banking institution -- I've since realized a credit union would have been a WAY better decision, but I digress -- which was/still is Bank of America. They gave me a $300 secured card. Paid my deposit, put it in my pocket, ran about 70% utilization through the first year of it without really being aware of any of the factors involved in credit.
In December of 14 I got a whim to do some Christmas shopping and idly tried my luck on an Amazon storecard. Didn't expect anything. Got approved anyhow! $700 credit limit. Used it extensively since then, putting lots of things on it and paying it off.
Early this year, someone told me to call BoA after I'd have the secured card for a year to get it unsecured. I was optimistic about my chances. Called them in April 2015 - my score was around a 580 at this point - and the lady reviewed my account and told me that my credit was insufficient and that even though I was consistently paying more than the minimum payment, it wasn't enough to rate unsecuring the card. This upset me way out of proportion to anything else... it was a wake up call. So I made the conscious choice to research credit and figure out how to improve mine. Signed up for all the FAKOs but the REAL source of info was on here (thank you all for all of your advice-- you have no idea how many times an answer was on here spelled out!). Since April I have disputed, EE'd and cleaned up my reports like crazy. I estimate I've raised my score roughly 100 points - I'm hovering around a 675 (FAKO) now. I'm super stingy so I'm waiting to pull my FICOs when I really need to know/before a "real" app.
But then I went on a SCT spree last week... somehow I'd missed it these few months. I scored $500 VS, $4500+300 CLI Overstock, $2500 Sportsmans, $2500 Fuel Rewards. NOT BAD for one hard pull among it (Fuel Rewards), even if I know my AAoA is going to dip.
Then I read something today about chatting up Synchrony and wandered over to Amazon. I asked for 5000 figuring if I could even get 2k that would be awesome. The SOBs gave me 5000!! So WITH ALL THAT BACKSTORY, back to my little secured card. It's my oldest open line of credit aside from the student loans, but now also the smallest. I am trying to figure out now if it is better to: a) leave it alone and wait for BoA to unsecure it on their own; b) leave it alone period and not worry about it; c) do a combo and wait for a set amount of months to call BoA. I even toyed with the idea of upping the credit limit manually by adding another deposit.
My TU has 5 inqs counting the one BoA pulled for the review earlier this year. I have a very large collection falling off in March of next year which is also my last derog on TU; it's a repo and I am planning on buying a car after that clears out, since I'm sure my auto-enhance sucks with it on there right now. Not sure how it will impact how BoA's view on my credit, though I am guessing having 0 derogs is better than having the 6 that were on there when they looked at it in April! Whew, that was a lot just to ask about this. Anyhow... what do you guys think? Anyone out there with experience with BoA secured and rebuilding? (I'm also not sure if I should have posted this to rebuilding instead of credit cards, now that I think about it....) Should I wait for BoA -- will they unsecure it in due time via SP review? Or should I close it since it's a toy limit compared to most of my others now? Or am I just getting eaten up over nothing and I should just ignore it?

First of all congratulations on all of your successes during your rebuild!! As for the BOA secured card, did your score increase 100 points AFTER your last attempt to unsecure it? If so, I would try again (I believe it's called graduation). It will be another HP, so if you're worried about that then it might be best to wait until your last baddie falls off. Also, you really need to know your real Fico scores. You can either buy them here, or others have had success with Credit Check Total which has a week trial for $1 and will give you all 3 bureau's Fico scores. Fakos can be off by 100 points, so knowing your real Fico score is a must!

Chance of getting approved for a Chase Freedom? (with a twist)

This is a very niche request, hopefully some people can provide insight. I am a Canadian residing in Canada (hence the name), with no US work or study visas, no ITIN, no SSN. I would like to get a Chase Freedom if at all possible, from a US border town in WA most likely. I currently have:Banner Bank TruRewards Mastercard, $5k limit (just under 1 year)
TD Bank NA Aeroplan Visa Signature, $5k limit (about 7 months)
Bank of America Better Balance, $3k limit (about 3 months) AAoA about 7 months. Maximum 3 credit hits. Can't buy credit score from myfico as I do not have a SSN. BofA rep in branch told me my Experian score was 720 or thereabouts when I applied though.Any other non-resident aliens able to give some insight?

canadianincanada wrote:
Jace, I ALREADY HAVE 3 US cards, so saying I'm not eligible to apply is a bit.... unfounded? None of the 3 banks below had any problems with Canadians, and in Banner Bank's case, they strongly encourage it. The Bank of America rep in Washington was even surprised that i had instant approval Or are you saying these 3 cards in my possession are not US cards? Bank of America Better Balance: https://consumer.bankofamerica.com/USCCapp/Ctl/entry?sc=VACGT2&cm_sp=Cons-CC-_-Card-Rewards-_-CCW4CHOU03_card4_hm_4tile10-e_arx5lvhp_s.gif#b TD Bank Aeroplan Visa: http://www.tdbank.com/personalcreditcard/aeroplan.html Banner Bank Mastercard: https://www.bannerbank.com/personal/credit-card/trurewards-mastercardHey canadian, I apologize, by no means I said that they are not US cards. My comment is based on the fact that after 2001 US law requires applicants to provide a SSN or ITIN on their applications. Chase applications require a SSN for the application to be submitted. I'm not sure how BoA, TD, and Banner go around this.

Approved for BBR!!!! VERY strange recon experience!!!

So, I'm kind of shaking right now. I applied for BOA's Better Balance Rewards a few days ago and was instantly denied. I then called BOA's backdoor number to speak to a credit analyst who was a bit dismissive of my attempts at a recon (understandable given the baddies in my profile) Anyway, the long and short of it is, later I got a call out of the blue from a rep in BOA's quality assurance department who more or less said that my recon call was not performed to their standards and asked if I would like my application reopened and submitted, which of course I said yes to... If you'd like more detail about this ultra bizarre experience as well as my stats for approval, see the following thread:http://ficoforums.myfico.com/t5/Credit-Card-Applications/OOPS-BOA-recons-Update-post-40-Update-2-Approved-for-BBR/td-p/4164655 But to sum it up, I just checked online and evidently I was approved. I then called the automated app status line to find that my limit will be $2100!!! I would have been happy with $500! LOL. I really can't believe it!!

jaylau17 wrote:
So, I'm kind of shaking right now. I applied for BOA's Better Balance Rewards a few days ago and was instantly denied. I then called BOA's backdoor number to speak to a credit analyst who was a bit dismissive of my attempts at a recon (understandable given the baddies in my profile) Anyway, the long and short of it is, later I got a call out of the blue from a rep in BOA's quality assurance department who more or less said that my recon call was not performed to their standards and asked if I would like my application reopened and submitted, which of course I said yes to... If you'd like more detail about this ultra bizarre experience as well as my stats for approval, see the following thread:http://ficoforums.myfico.com/t5/Credit-Card-Applications/OOPS-BOA-recons-Update-post-40-Update-2-Approved-for-BBR/td-p/4164655 But to sum it up, I just checked online and evidently I was approved. I then called the automated app status line to find that my limit will be $2100!!! I would have been happy with $500! LOL. I really can't believe it!! Congrats.but i don't see why they denied you in the first place. im guessing they pulled EQ or Ex with the baddies you mentioned. But scores don't seem all to bad. Congrats. appears someone was listening in on your call. Thats great.

BoA Approval

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