"Secured Or Not ?"
Bank of America® Platinum Plus® Visa® Card Review
Written by: danny23 on 2008-09-11
Overall Satisfaction
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danny23's review: 
So anyway I applied for the platinum plus card and I got denined, and I thought that I would. Well to my surpise I say they came back and told me that I was approved for 500 dollar card, But the problem was they didn't tell me if there was a deposit on the card and after calling them they said that it was unsecured but I don't see how that is. If anyone can help me out that would be very appricated.
So anyway I applied for the platinum plus card and I got denined, and I thought that I would. Well to my surpise I say they came back and told me that I was approved for 500 dollar card, But the problem was they didn't tell me if there was a deposit on the card and after calling them they said that it was unsecured but I don't see how that is. If anyone can help me out that would be very appricated.
7 Comments
Comment 1 by wildrage2
Well.... 
on 2008-09-11
It's possible that you applied for a cash rewards or other card that was harder to get, but qualified for a standard card with a lower limit. There is a $500 secured card, but they could very well give you an unsecured card with a $500 as well. Consider yourself lucky, if anything.
on 2008-09-11 It's possible that you applied for a cash rewards or other card that was harder to get, but qualified for a standard card with a lower limit. There is a $500 secured card, but they could very well give you an unsecured card with a $500 as well. Consider yourself lucky, if anything.
Comment 2 by danny23
Re: on 2008-09-11
They had just gave me a call and told me that they have sent the card out on the 9th, and I asked the gentlemen if there was a deposit and he didn't say anything but did tell me that there is a 59 af. So I have no clue but I can update you all when the card comes in, I thought from reading other post on here that you had to pay them the 99 dollars before you do recive the card.
on 2008-09-11 They had just gave me a call and told me that they have sent the card out on the 9th, and I asked the gentlemen if there was a deposit and he didn't say anything but did tell me that there is a 59 af. So I have no clue but I can update you all when the card comes in, I thought from reading other post on here that you had to pay them the 99 dollars before you do recive the card.
Comment 3 by wildrage2
Different Card on 2008-09-11
Well, it seems to me that you didn't qualify for the card you originally applied for, but your credit wasn't bad enough for the secured car... So they gave you a card with a smaller limit and annual fee - somewhere in between.
on 2008-09-11 Well, it seems to me that you didn't qualify for the card you originally applied for, but your credit wasn't bad enough for the secured car... So they gave you a card with a smaller limit and annual fee - somewhere in between.
Comment 4 by kimi
Non Secured on 2008-09-11
Trust me, You were approved for non secured credit card with $500 cl and 59af, if it was secured you would
have to wait 30 days for the collatral to be posted to your application before they make a dcision.
on 2008-09-11 Trust me, You were approved for non secured credit card with $500 cl and 59af, if it was secured you wouldhave to wait 30 days for the collatral to be posted to your application before they make a dcision.
Comment 5 by danny23
RE on 2008-09-11
That is what I was thinking to, I bank with then so I check today and it is on my online banking.
on 2008-09-11 That is what I was thinking to, I bank with then so I check today and it is on my online banking.
Comment 6 by mrrob
Great Card on 2008-09-12
My niece had the same card. She was approved for $500 but had the annual fee was $59.00
on 2008-09-12 My niece had the same card. She was approved for $500 but had the annual fee was $59.00
Comment 7 by danny23
Re: on 2008-09-13
Thats is excatly what it was it was the platuim plus with Visa with a 500 cl and 59 af, I just cant belive I got this card.
on 2008-09-13 Thats is excatly what it was it was the platuim plus with Visa with a 500 cl and 59 af, I just cant belive I got this card.
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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
