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Discussion in 'Credit Talk' started by Nia, Aug 14, 2001.
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I know (called and asked) the BofA card reports as "secured." Does anyone know if that impacts score?
I would love a BofA card, even if it is secured. However they were included in my B/K. Anybody know if this matters? I checked out their website. It says they will send you a card for whatever amount you have in your security fund account "IF APPROVED". Darn....why do they have to approve you if they have the entire limit secured????? I'm sure I would be a deny based on their being included in my b/k. I just want a "real" credit card that I don't have to be embarrassed of.
I guess with my past I should be happy with any card.....
Any other opinions on this?
I may be wrong, but I don't think BofA will issue a secured card if you have a previous bankruptcy.
but B of A was included in the bk... that'll be harder.
Yes, that is what I was afraid of. I guess I'll have to taken them off my wish list.
Thanks for your input. I would have hated to waste an inquiry
Well I emailed BofA asking if it was an automatic denial based on my b/k. They e-mailed me back with their requirements. One of them was NO B/K (it doesn't matter if they were included or not). I have it on my e-mail at home so later I will list all the requirements.
What a shame they are so strict for a FULLY SECURED credit card
Doesn't surprise me one bit. Seems as though a lot of banks are reserving their secured cards for people trying to ESTABLISH credit.....not re-establish. My own credit union denied me for a secured card. So did Chase. Oh well.....
If you haven't considered it, you might look at Umbrella banks card. Their secured card has the same look as their (ugly yellow) prime card. Seems to me to be one of the better deals for secured cards:low fee, respectable bank(as far as i know?), doesn't report as secured. I almost got one but decided I'd rather keep the money in my savings.