Snowman wrote:John- I understand, but then why did BOFA not deny me? I mean I had an even smaller income last year (using gross from last year, which was 4,200), and yet the still approved me. I have seen other people my age that have like 9-10k income and they get approved for the Zync, and other various cards, so why were they not denied either? And I know you're not being harsh, I can understand where you're coming from when you say that. But also, I'm surprised that they denied me on my age. I was thinking it was going to be my income or it was going to be because my history was short.
CC-Oh I know. There is no such thing as responsibility anymore in this country, it's amazing to see how much our great country has been in trouble and decline over the last decade. I'm not totally dependent, any of my bills (food, gas, phone, books for school, tuition for school, and other various things I've paid myself.) Everything else, my parents pay the bills for my house....
I certainly can't answer why you were approved for a BOFA card (maybe they are in violation of law) or why someone else on here is 18 and got approved for a Zync, I can only say their "reason for denial" is accurate. Credit CARD Act of 2009 - Wikipedia, the free encyclopedia
Limits credit cards to teens
A credit card cannot be issued to someone under age 21, unless they have a co-signer (who is 21 or over), or can provide proof of a means to repay.