BOA 123 Cash Rewards

[Themanwhocan]

Just remember, its not always just about the FICO score.

Bank of America didn't instantly approve my application last night...

[Anonymous]

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@kdm31091 wrote:

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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Just wait and reapply when your profile supports it better.

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+1

[Anonymous]

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@creditguy wrote:
If you have to use tricks to try to get an approval, your simply not ready for the card. Why not just wait until your profile supports an approval? There are no tricks or shortcuts that can replace time and patience.

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+1

[Anonymous]

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@kdm31091 wrote:

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@Harvey26 wrote:

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@NRB525 wrote:

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@Harvey26 wrote:

Does anybody know if I freeze EX will BOA pull TU? Which is my highest and one with the least amount of inquires. Has anyone had any luck with trying this method I would freeze EX and EQ beacuse they have the highest inqs. or should I just wait the 6 months and then re apply?

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What are your scores on each bureau? How many inquiries on each bureau in the last year? 6 months?

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EQ: 705 TU: 708 and EX: 697 scores took a bit of a dip when utl when up but paid both cards in full and the one has already updated and my discover has not yet updated. About 15 inqs in the last 6 months. I know terrible right. I want to wait the full 2 years for them to fall completely off but idk if i can be that strong.

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15 inquiries in 6 months is a lot by any measure. While you may not feel like waiting 2 years, you definitely should wait at least 6 months before any further apps and preferably a year.

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+1

[Anonymous]

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@Themanwhocan wrote:

Just remember, its not always just about the FICO score.

Bank of America didn't instantly approve my application last night...

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Which BoA card?

[Themanwhocan]

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@beautifulblaquepearl wrote:

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@Themanwhocan wrote:

Just remember, its not always just about the FICO score.

Bank of America didn't instantly approve my application last night...

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Which BoA card?

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BBR. I figured I'd try for another one.

[Harvey26]

Well a year it is. I want to wait the longest amount of time possible. Would like to at least get visa siggy with them.