The whole point of the secured card is to help consumers build credit so if there's a chance of getting denied, why waste the inquiry right?

Hi Chance, like yoyo and Rob72830 are saying secured is the way to go. I recently opened a BofA fully secured card (you can deposit from $300 to 10,000 into the account). It was relatively painless I went to their website chatted with one of their CRS who had me apply for the regular credit card and I was offered the fully secured. I sent in my deposit and received my card in 3 weeks.

Good luck to you and let us know how you did.

Thanks for the advice, I think I'm going to check out the BofA on Monday

The secured card's mentioned by Bob72830 is a great way to start. Remember you will get your deposit back within 8 months to 18 months depending on the card holder. Citibank secured card holds deposits for 18 months in an interest baring CD. Try Orhard Bank...I know you might not get a CLI after 6 months., and they might give you one after a year...the annual fee are between $0 and $79. Go online and you'll get a pre-approval before applying. I'm thinking about Hooters, but don't want you to get Denied an loose a hard pull:confused:. Well I been denied CapOne but got a Hooter card. Good luck.

Thanks for the advice, I think I'm going to check out the BofA on Monday

Hello, first I want to apologize if this has ever been asked before but I can't seem to find the answer I need. I was denied for Cap 1 due to old dr bills that are more than forever late. Long story on that one involving a sick child and cancer. Now on to my question, can anyone refer me to a card for poor credit,mid-500's across the board that gives a decent cli from time to time. I just don't want to get stuck going about rebuilding my credit because I choose a card where the bank is too stingy?

Thanks in advance

Chance, try the secured cards from Bank of America, Wells Fargo, or Orchard bank. Out of those three, I'm sure you can get a card.

Hello, first I want to apologize if this has ever been asked before but I can't seem to find the answer I need. I was denied for Cap 1 due to old dr bills that are more than forever late. Long story on that one involving a sick child and cancer. Now on to my question, can anyone refer me to a card for poor credit,mid-500's across the board that gives a decent cli from time to time. I just don't want to get stuck going about rebuilding my credit because I choose a card where the bank is too stingy?

Thanks in advance

I still don't understand how you can be denied for a secured card when you are using your own money.

Oh yes, they will deny you for a secured card because of your cr. Their initial intension is to cut you a unsecured card in a matter of time but if they see that you are not paying now then they are not taking chances with you. Some people can mess up a secured card as well as a cc. They will charge up and dont pay back. I did that with sterling Bank and Trust and they put that on my cr.

Cireone, call CS again and see what's going on. There might be new info in their system about what's going on with your account.

Does anyone know how to find out the status of an upgrade request to the Visa for Macys. I requested a CLI and got a $500 CLI for the store card and also inquired about the Visa. The rep went ahead and put a request for me. Its showing up as a hard inquiry just today and the request was acutally put in almost a month ago. Have not got any type of communication regarding the status of the Visa request but its showing that my experian report has been pulled.

I too have never seen or have been offered the 99/500 secured card form BoA. I applied and was denied for an unsecured card and was pre-approved for a regular secured card. It seems that the 99/500 is a better deal than the regular secured card.

I still don't understand how you can be denied for a secured card when you are using your own money.

After you've applied did you get denied for a regular CC with BofA? (you can't qualify of other cards). You'll get an offer in the mail or get the pre-approved for the 99/500 card right away or the regular secured card.. Remember they will do a hard pull (twice), the card you were denied and the pre-approval on the 99/500

The only thing I got was a denial and an offer for a secured card. I never seen the 99/500.

The 99/500 offer will show up after you've been denied for an unsecured BOA credit card.

Did you go straight to the BOA site that offers the secured card or did you go to their regular site for the unsecured card? Try this link for the secured card

http://www1.bankofamerica.com/creditcards/?context_id=marketing_detail&offer_id=ECOMM090XFEQ00400800121983EN001&requestTimeout=120&router_flag=y

i wanted to get one of those cards is there a link?
when i did the app it did not offer me that card the 99/500

After you've applied did you get denied for a regular CC with BofA? (you can't qualify of other cards). You'll get an offer in the mail or get the pre-approved for the 99/500 card right away or the regular secured card.. Remember they will do a hard pull (twice), the card you were denied and the pre-approval on the 99/500. You will get something in the mail within 10 days.