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.

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    jaylau17 wrote:
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    Attachments:
    Lumia 710 update not available.jpg ‏172 KB

    Dear Kevinluh, Welcome to the Nokia Forums!
    I understand your frustration, however update availability can vary depending on Region and carrier, this is because some regions and carriers may not have signed off the update or have policies preventing the update occuring.
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    Sheldrick
    Press the 'Accept As Solution' icon if I have solved your problem, Kudos my post if my advice has helped you!

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    Edited by: developer developer on Aug 23, 2008 5:40 PM
    Edited by: developer developer on Aug 23, 2008 6:26 PM
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