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BOA backdoor success!

New Contributor

BOA backdoor success!

So after applying online for the bankamericard travel rewards visa signature card I received a letter by mail stating the reasons for rejection. To many inquiries within the past 12 months and to many accounts established in a short period of time along with short credit history. I got inspired and decided to call the backdoor number I never have success by calling these numbers but I said with lets try again so I called and they asked me a bunch of questions I answered with the truth he put me on hold and then came back and said he went ahead and approved me for 1k limit my highest limit yet!! So excited couldn't have done it with the help of this forum thank you!



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 1 of 16
15 REPLIES
Valued Contributor

Re: BOA backdoor success!

Congrats on your approval, glad you made the call!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 16
Established Contributor

Re: BOA backdoor success!

Congrats

Message 3 of 16
Frequent Contributor

Re: BOA backdoor success!

Congrats!!!

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 705 FICO TU (10/2014)Take the FICO Fitness Challenge
Message 4 of 16
Established Contributor

Re: BOA backdoor success!

Congrats. So it your card still. Signature at 1 k?
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 5 of 16
New Contributor

Re: BOA backdoor success!

Yes he said he was approving me for the visa signature for travel rewards starting me at 1k credit limit so happy!!! What's the difference between visa signature and other cards? I have read a lot of people applying for a visa signature



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 6 of 16
Valued Contributor

Re: BOA backdoor success!

Congrats on your approval! I always thought Visa Signature cards had to have a CL of $5K or more. I guess that has changed.

CH7 Discharged: 4-14-16
Rebuilding in Progress.....
May 2016 - EX: 594, TU: 582, EQ: 619
July 2016 - EX: 629, TU: 600, EQ: 622
Message 7 of 16
New Contributor

Re: BOA backdoor success!

I just called to verify that was the card I was approved for and yes! I was approved for the bankamericard travel rewards visa signature card! I might do the happy feet dance lol what's the difference between the visa signatures and others btw



Current Score: Walmart TU 694 - Credit karma 679 - Credit Sesame 671- VantageScore 695 MyFico ?
Goal Score: 750

Message 8 of 16
Valued Contributor

Re: BOA backdoor success!

A Visa Signature card comes with more benefits than a regular Visa card. The only drawback is that, with BofA, the actual credit limit does not get reported.

Message 9 of 16
Highlighted
Frequent Contributor

Re: BOA backdoor success!

Congrats


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Message 10 of 16