Line Of Credit
The state of home equity: home-equity loans and lines of credit have been affected by the same negative forces that have driven first mortgages to ... Equity): An article from: Mortgage Banking [H] [T] [M]
Shelley Leonard (Digital) Mortgage Bankers Association of America 2010-09-01
Release date: 2011-01-04
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Answers
I have a credit card Bank Of America. with credit line 4000$. I have had this card for 2 years. I dont like this card much. I would like to apply a new credit card in Bank of America which is World Visa (just bank of america only). Do you think that should I apply the World Visa card or should I convert my old card to World Visa? Which way is better ? dont hurt my credit score? and maybe I want to increase my credit line too?
Converting is usually better since BofA does not pull a hard inquiry, and you don't end up with a new account.
Both factors will decrease your FICO score.
*IF* you want a larger credit line, convert, then ask for a credit limit increase, that is usually done with a soft pull, which does not affect your FICO score.
Saman Mohammadi Infowars.com August 2, 2011 "A sovereign nation can always find the money to pay debts owed in its own currency. The US could ...
just to see if it was true i tried to see if i could increase my credit line to 10,000 dollars from 5,000 on my bank of amercia credit card options in my online account and in seconds it said i was approved....can this be true????????/
Um.. If they said you were approved, chances are you are. You should check back in 24 hours and see if your credit limit reflects the change.
Congratulations though. 10k is a lot, just be careful with it.
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I called to check on the status of my application and hear it is "temporarily approved pending two confirmations." These include making sure my house is not in a flood zone, and the value of the house. In order to do this, the application has to be assigned to someone, and that has not been done in over a week.
Since I am requesting under $500,000, the bank absorbs the costs associated with the confirmation of the value of the house.
How long does it normally take? I assume they checked my credit score already, the purpose is to consolidate debts and I am in the red. Could they reject the application on the basis of poor credit now?
call them. they could be waiting for an appraisal, there could be a snag or two on the credit report. being is debt is usually ok its if you are behind that matters. and yes if they just pulled the credit, it can still get rejected. the process usually takes a few weeks so relax
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well fargo has one also - but i have had no experience with it!!!
What I like about this unsecured loan is: 1. It is not secured
2. Can have it as available cash
WHY DON'T YOU LOOK AT THE INTEREST RATE OF EACH ONE, BOZO, AND THEN YOU CAN ANSWER YOUR OWN IGNORANT QUESTION.
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Bah Humbug, Bank of America! | momlogic.com
Elizabeth Thorp : I am a working mom of three little girls and the proud owner of a Bethesda, MD, communications firm. We've been in business for almost four years, and things have been great. This year has been lean. The major challenge for any small business is cash flow. I learned firsthand today that financial assistance from the banks is about as likely as the Salahis receiving a genuine invite to the White House.
I have $40,000 in outstanding client invoices -- in the meantime, I have to pay employees, tax advisor, accountant, phone bill, office space, etc., etc. I need a $10,000 loan or line of credit for a couple of weeks until...
News
New Chief at Bank of America Seeks Credit-Card FixWall Street Journal - Dec 29, 2009
1 small-business lender it offered unsecured credit lines of up to $100000 to start-ups, some in business for only one day. Bank of America's small-business Bank of America's New CEO Seeks Credit-Card Fix (BAC, JPM)all 16 news articles »Chicago Sun-Times - Dec 29, 2009
Bank of America, for example made about $10.4 billion in home equity loans in the first nine months of the year — down 70 percent from the same period last and more »NPR (blog) - Dec 30, 2009
Morning Report: UK Sees Weakest Economic Growth Since 1940'sMeantime, Bank of America's new CEO says he'll pull back on the credit card business when he takes over next month. Bank of America is the nation's and more »BusinessWeek - Dec 17, 2009
ReutersWant a credit card with a line up to $50000? Check out Bank of America or Chase Bank. Here's how their process works: You will be asked to STATE your Another $1 billion in small business credit vanishesSMALL BUSINESS LENDING: MENENDEZ URGES PRESIDENT OBAMA, SEN. REID TO all 122 news articles »
KYMA - Dec 03, 2009
MyFox PhoenixThe state needed to use all of the line of credit given by Bank of America to make a payment to public schools yesterday. State Treasurer Dean Martin State Blows Through $700 Million Loan in Less Than a Week; Treasurer Martin all 19 news articles »
Bloomberg - Dec 30, 2009
Bank of America Corp. Merrill Lynch's Global Broad Market Corporate Index, covering securities due between one and five years, has climbed 13 percent thisUS Banker - Dec 29, 2009
He adds Geezeo has also built a cross-marketing platform for institutions - a bank that wants to offer a home equity line of credit in a targeted fashion,