As you guys may know my story... I bombed my credit in 2015. Went the long route..didn't file for bankruptcy. Waited the full 7 plus years. I only paid amex back. Got back in with optima. Burned a lot of banks but not bofa or chase. I always said I would get in with the big boys one day for credit after being approved amex. not as easy as one would think with bank of america. I do have a current levy on my bofa secured checking account which the receiver keeps handing back my checks as of last month. also have same levy order with chase! So if u have levies u can still apply for the credit . I just wanna mention I'm finally in with bank of America. I tried 3-4 times applying for the secured mastercard online last year and this year. All denied. also my utilization is much higher this time around so hopefully that helped. inquiries: TU 13, equifax 8. Utilization 37%, 40%
Then got the bofa mail offer after my levy last month and I rolled the dice today and got approved for 500 for my 99 deposit. I never use the checking account and it is in the negative since I can't do anything with it. First credit card ever with bank of America. I have 666 and 641 with overall payments on time 100%.
this card I will definitely let grow!
800 CL
1000 CL
1000 CL
300 CL
2000 CL
2500 CL
2000CL
600CL
1000CL
1000CL
500CL
800CL
2000CL
300CL
500CL
500CL
1500CL
4000CL
no preset limit
no preset limit 
5000CL
1000CL
1000CL
2000CL 
1000CL 
200CL 
2000CL
2000CL
Thank you Creditmagic7!
Thanks Marmot!
Thank you Coreyb80. Means a lot from the fellow myfico crew!
@creditgnome wrote:As you guys may know my story... I bombed my credit in 2015. Went the long route..didn't file for bankruptcy. Waited the full 7 plus years. I only paid amex back. Got back in with optima. Burned a lot of banks but not bofa or chase. I always said I would get in with the big boys one day for credit after being approved amex. not as easy as one would think with bank of america. I do have a current levy on my bofa secured checking account which the receiver keeps handing back my checks as of last month. also have same levy order with chase! So if u have levies u can still apply for the credit . I just wanna mention I'm finally in with bank of America. I tried 3-4 times applying for the secured mastercard online last year and this year. All denied. also my utilization is much higher this time around so hopefully that helped. inquiries: TU 13, equifax 8. Utilization 37%, 40%
Then got the bofa mail offer after my levy last month and I rolled the dice today and got approved for 500 for my 99 deposit. I never use the checking account and it is in the negative since I can't do anything with it. First credit card ever with bank of America. I have 666 and 641 with overall payments on time 100%.
this card I will definitely let grow!
Dang! That's awesome man iv currently been trying to get a secure card with them for awhile and iv been banking with them since 2019 lol so I know how hard it is! Great job!
