Started with a secured Net 1st (August 2001), they were so crooked FDIC shut them down. Worked my way to a CapOne with a whopping $250 limit (November 2001) now at $650, lucked out with an Orchard bank $750 (April 2002), they ran EXP with a score of 639, they just denied my 6 month CL increase last month. Now, just got approved for........Bank of America Platinum with a starting limit of 9k and 8.9% intro APR with a 9.9% go to rate. Whoooohooooo. So excited, it has been a long haul. They ran TU and approved with 4 inquiries in last six months, took a day to approve, and a TU FICO of 782. I can't believe I have been approved for a card that is not subprime!
Congratulations, I bet it feels good. I would think with a TU score like that you will be seeing more prime card offers. -Sal
1. Why on earth did you only have subprime accounts with a TU FICO of 782 ?! 2. According to the BofA web site, the Platinum with 8.9% intro rate and the Platinum with 9.9% "go to" rate, are two different cards (see upper & lower tables): http://www.bankofamerica.com/credit...rdtype=plat&association=visa&price=9.9&csp=no Saar
With a score like that you should be getting min of 20k CL's. I would apply, apply, apply until they start denying you. Charlie
Congratulations! You ought to go for Chase too. They seem to pull TU almost exclusively and are great for CL increases and BT offers. It may take a couple of weeks to get the approval, but that seems to be the norm lately. DemPooches
My BK7 was just deleted from my TU report. Before, my score was just above 700 on TU. I had applied at both BofA and Juniper last July. BofA denied me after 24 hours for a BK7 and Juniper, which ran my EQX score first, denied me after they ran my TU profile and saw the BK7. Also, when I started repairing my credit about 18 months ago, my score were around the 540's. It is very tempting Charlie to not just start applying for everything. If I wasn't refinancing at the end of the month, I would be racking up the inquiries. I feel like a diabetic kid in the candy store for the moment. Plus, I am hoping to open a restaurant with the DH this summer, and I really NEED to watch the new accounts I open. I just bought a new car, 2.9% for five years, a new CC account with BofA, and throw in a new mortgage and I have three new accounts in less than three months being opened. I will be applying for a business loan next year, and have to watch the new accounts I open so my score doesn't take a complete dive with the new accounts. I applied at BofA primarily because I heard here that they have generous CL's, which I am going to use as backup financing for the business, just in case. As far as the rate is concerned, I am going to have to double check. I applied for the 9.9% fixed APR, but when I was approved, the online disclosure read an 8.9% intro and a 9.9% go to rate. Thanks for the tip on Chase Dempooches, I will be applying with them next year, right after I get the business loan!
