David K asked:


I have been an MBNA customer since 1997 and had 2 credit cards with them. One of them was from 1997 and the other was from 2007. Anyway, I had a balance on the one from 2007, and I paid in full, but I did not realize that I still owed interest to them in the amount of $18. I did not pay this amount for 120+ days and they ended up closing BOTH accounts. I called Bank of America (which owns MBNA now) and explained the situation and peititioned for them to reopen my accounts. They did reverse the effect that this would have on my credit report, but they refused to reopen either account.
The primary reason this concerns is me is because Bank of America is such a large bank (and issuer of credit cards) that they have effectively “blacklisted” from receiving any of their credit services. My current FICO score is 707, and I am not in hot water with any other banks and rarely get turned down for credit.
Anyway, I was thinking that to rectify the situation with Bank of America by opening one of their “secured” cards wih the minimum $300 deposit. Do you think doing this would repair my relationship with Bank of America?
I am aware of the consequences of signing up for credit cards on my credit report…and I know it’s unusual for someone with a 700+ credit score to have a secured card. My aim is not to build credit, but rather restore a relationship with Bank of America.
Please tell me if this will be effective. Thanks!

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Jun L asked:


I’m new in united states and have applied for credit card for 2 times few months ago and were rejected by banks. Is that because of no creditable record in united states so that i don’t have enough qualification for applying credit card in here?

What should I do to ensure to get approval for applying credit card?

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munnababu78 asked:


I’ve got several calls from different banks offering to make credit cards, i submits all the essential documents to the executive who comes to collect the documents. later i also gets verification call, but never get any credit card except Citi bank Gold card. My all the documents are correct and valid. I have already a gold credit card of HDFC bank, on which behalf the banks communicate. I regularly pay the debt, even though what are the drawbacks, the banks reject my applications. While my profile in the HDFC and Citi banks shows excellent.

My question is that what are the details banks analyze in PAN, Address proof, Officie Address, etc that is not availble for the ordinary public. Is there any body, who can answer me. Kindly reply as soon as possible. thanx

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smile asked:


steal our cash?

And worse: steal thousands?

You hear stories of banks being stuped enough to give them that cash when the rogues just as for it.

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ladybags asked:


I have bad credit and have fell behind on bills. Banks have closed my checking account and I am an ROTC cadet that will commission. Does my bad credit affect me commissioning?

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elwoods10 asked:


Hi,
I am student and am getting nervous about my credit card debt ($5,000). It is such a hassle to pay on each card each month. I want to consolidate all the debt and make one payment each month and start paying them off. It’s difficult bc I am student and do not have an income. I have school loans I use while in law school. Any suggestions?

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Melissa G asked:


I have about $23,000 in credit/medical credit card bills. I tried personal loans with 2 different banks, but I didnt qualify because it was it was considered “too much unsecured debt”.

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? Cheeki ? asked:


I dont have time to go to the bank to do it, and was wondering how safe it is online to apply for a credit card?

Im thinking of applying from one of the banks that I bank with.

My computer is all safe and that, how safe is the credit card web sites?

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