Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit determination Maryland

I was solicited by Bank of America for a Mastercard -/-/-. I applied for the card and was accepted. -/-/-, I was solicited for a - card, a - card. Since this was my alma mater for both of my degrees, I applied for this credit card. I was rejected for this - card, with the explanation given that you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports.


none of these reasons. 3. I did point out that I did have delinquencies with MBNA in -/-/--/-/-, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. The response I received from them addressed none of my points, instead stating the cliche unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. To add insult to injury, they did a hard pull on my credit, so that it shows - hard inquiries ; - in -/-/- and - in -/-/-, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other.