Applied for BoA after pre-approval was told app needed special attention

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neptunejcw
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Applied for BoA after pre-approval was told app needed special attention

Postby neptunejcw » Wed Mar 13, 2013 2:22 pm

Applied for BoA cash rewards.Was told my app needed special attention. What do you call & say when you recon a application & also how long should you wait to do that


MemberSince99
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Postby MemberSince99 » Wed Mar 13, 2013 9:11 pm

Special attention? Did it really say that? Mine just said they could not make an instant decision and I'd hear from them in 10 to 14 days or something like that. Before 10 days passed the card was reporting.

I'd give it some time, they seem to decide pretty quickly and if you get a decline, then for sure call and recon nothing to lose and everything to gain. I guess you'd have to hear the reasons for the decline to know what to say. But with BofA that may go either way, you may get it on review, that's how I got mine.

neptunejcw
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Postby neptunejcw » Wed Mar 13, 2013 11:06 pm

I've never done a recon before is there a certain thing or things you point out when doing a recon

RRH716
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Postby RRH716 » Wed Mar 13, 2013 11:57 pm

I have no idea what this special attention needed message means but today I called the 8664218071 number and spoke with a very nice lady who got my application approved. I would try calling.
Bank of America: BankAmericard Cash Rewards $700
Capital One: Platinum MC $500 / Cash Rewards MC $500
GECRB: Amazon $600 / Walmart $400 / Paypal $300 / AE $150
Sterling Jewelers: Kay (joint acct) $1000 / Kay (own acct) $400 / Jared $400

neptunejcw
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Postby neptunejcw » Thu Mar 14, 2013 11:48 am

I'm confused. I call yesterday to recon & was told no because of a collection. Called a backdoor# today & was told they haven't made a decision yet. Check back in 4-5 days

MemberSince99
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Postby MemberSince99 » Thu Mar 14, 2013 12:09 pm

It's possible you were initially declined but it's being manually reviewed. That's what I'm guessing.

If it gets declined, then be prepared to talk about the colleciton because they are SURE to ask you about it.

neptunejcw
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Postby neptunejcw » Thu Mar 14, 2013 12:18 pm

Well I guess I'll wait & see. Hopefully I get approved but that would require luck when dealing with BoA



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