I think this bank and 5/3 bank had changed their guidelines this year - now both banks required 720 or above to qualified for Visa cards - last year, many banks only required 680 or above to qualified for either Visa or MasterCards -
my FICO is 702 but got DECLINE for 5/3 bank Visa card this week (6/2009) -
Yeah, I app'd the other day with about the same score and got a big fat denial...=
Comment 5
Comment Title: BofA Or 5/3? From ColoNativeon 2009-06-14
So did you get approved for the BofA and declined for 5/3?
That is okay, you don't want a 5th of a 3rd bank anyway LOL. Sorry, poor attempt at a joke.
By the way, if you did get this BofA Platinum Plus does it have a Cardholder Since date on it? My old BofA Visa Gold had it but the replacement card (which also came with a new account number ala MBNA) does not have it. My BofA Visa Signature does though..
Mr. VoiceGuy,
Thanks for all of your wonderful advice. It worked. I have my utility rate down to about 15% right now. As soon as all of my payments hit the bureaus, it will go down to about 9%....
Keep up the good work classy and your advice about the Orchard account to SCuser was accurate as well. You are learning quite a bit on here...stay with it...I have now gotten to the point where I...
Patrick - would you mind PMing me the complaint you filed with the BBB? I desperately need to get them off my report!! I've paid and they're still reporting as an Open Account....ugh...
Since I received an infraction due to posting a link to my co's website for spamming, I don't know what I'm able to post here, so I will give you this... You can look at my name on here and go to...
A paid collection account will NEVER have a positive impact on your credit. It actually resets the clock on the statute of limitations and since that is new activity on your credit, it will affect...
Mr. VoiceGuy, Thanks for all of your wonderful advice. It worked. I have my utility rate down to about 15% right now. As soon as all of my payments hit the bureaus, it will go down to about 9%....
Walmart Cards Help!