- Centurion Member
- Posts: 277
- Joined: Wed May 27, 2015 10:08 pm
- Location: Houston, TX
[/quote]Since you applied for both it is possible yes. However, if I remember correctly odds for secured card approval are high, because you're fronting the money not them. Haven't hard a secured card for a few years so I don't exactly remember. With having already applied for the 2 other cards why even apply for the secured card? Just curious. Is it just to have more credit exposure through different companies? If one was a "we will notify you within 7-10 days", it may be worth calling the credit reconsideration line to see if you can get it approved. The only issue is your length of credit history, assuming your utilization is low. Maybe number of HPs could be an issue….since they don't drop off for 2 years.[/quote]
The reason for applying so many times is rather dumb on my part. I applied for the regular card not knowing that there was a student version. So when I applied and received the counter-offer of the secured card, I didn't jump at it. I then thought about the card for a week and decided I'd give the secured card a try. When I navigated to the BoA website I expected the "Pre-qualified offers" to be rather large and not hard to miss like I have seen on chase's and Capital One's websites. Well I missed it and in my haste found the student version. Did some very brief research on it (i.e. what kind of credit score is needed) and figured I'd give it a go. Applied and then got the whole "we'll notify you in 7-10 days". I instantly thought "crap, I just got denied again!" so I then took another look around the bank's website and found the "pre-qualified offers". And applied for the Secured card which is 99/500 version. In hindsight I wish I had just waited to get a response for the first application before applying for the student card. Won't make that mistake again.
Kohls: $300, Discover IT: $1.8k, Capital One Quicksilver: $2k, Amazon Store Card: $2.2k, BoA Cash Rewards: 1k, Chase Freedom: 3.2k, AMEX HHonors 3k