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Bank of America 123 Cash Approved!

Established Contributor

Bank of America 123 Cash Approved!

So I have been on a roll these past two weeks.....just applied for BofA 123 and got the " we are unable to provide instant decision right now blah blah blah 30 days in writing blah blah blah". I didn't panick, however, thinking that it was a decline. I called one of the recon numbers, and it just happened to be the right number. It turns out the fraud department wanted to verify 15 minutes worth of info from me, and told me I was approved already......for $10k! I almost fainted! The after intro rate was 20.99%, but who carries a balance on a rewards card anyway? Thanks to these forums and the good advice from all of you!

 

 

 

 

 

Credit Scores- October 2012

EQ- 684

EX-724

TU-706


PenFed Platinum Rewards Visa-$12k

US Bank Platinum Rewards Visa-$5k

Chase Freedom Visa-$5k

Chase Military Star MasterCard-$5k

TIC FCU Visa Gold-$5k

Chrysler MasterCard(FNBO)-$4.1k

Wyndham Rewards Platinum Visa-$2.5k

Service CU Platinum Visa-$10k

 Bank of America Cash Rewards123-$10k

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 1 of 11
10 REPLIES
Valued Contributor

Re: Bank of America 123 Cash Approved!

Congrats on the approval!


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 11
Highlighted
Established Contributor

Re: Bank of America 123 Cash Approved!

Congrats. Did you have any baddies?

Message 3 of 11
Established Contributor

Re: Bank of America 123 Cash Approved!

Thanks, thanks! No recent baddies, but from Nov 2008, I had two student loans reporting 60 days late, that is it. Utilization is 24%.

 

 

 

 

 

Credit Scores- October 2012

EQ- 684

EX-724

TU-706


PenFed Platinum Rewards Visa-$12k

US Bank Platinum Rewards Visa-$5k

Chase Freedom Visa-$5k

Chase Military Star MasterCard-$5k

TIC FCU Visa Gold-$5k

Chrysler MasterCard(FNBO)-$4.1k

Wyndham Rewards Platinum Visa-$2.5k

Service CU Platinum Visa-$10k

 Bank of America Cash Rewards123-$10k

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 4 of 11
New Contributor

Re: Bank of America 123 Cash Approved!

Congratulations!!

BK Filed 7/1/12 --- EX: 494 EQ: 505 TU: 505
10/12 EX: 599 EQ: 599 TU: 599

BK Discharge 10/23/12
Cap1 $3000 (AU) / NFCU Visa $500

GOAL #1: 660
Message 5 of 11
Moderator Emeritus

Re: Bank of America 123 Cash Approved!

Congrats! Nice starting limit! Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 6 of 11
Valued Contributor

Re: Bank of America 123 Cash Approved!

CONGRATS! Smiley Happy

Ray

** Every Card has a Job, and Every Card does its Job **
Message 7 of 11
Established Contributor

Re: Bank of America 123 Cash Approved!

Thanks Ray! I'm getting up there with you now. I'm truly going to garden now. I wanted one signature card, have it. A house is next!

 

Credit Scores- October 2012

EQ- 684

EX-724

TU-706


PenFed Platinum Rewards Visa-$12k

US Bank Platinum Rewards Visa-$5k

Chase Freedom Visa-$5k

Chase Military Star MasterCard-$5k

TIC FCU Visa Gold-$5k

Chrysler MasterCard(FNBO)-$4.1k

Wyndham Rewards Platinum Visa-$2.5k

Service CU Platinum Visa-$10k

Bank of America Cash Rewards123-$10k

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 8 of 11
Regular Contributor

Re: Bank of America 123 Cash Approved!

Nice limit Congrats!
TU 746 (10/13)
GOAL: 750+






Message 9 of 11
Established Contributor

Re: Bank of America 123 Cash Approved!

Thanks! Shocked the heck outta me! From the 500s to low 700s in 3 years.......well deserved!

 

 

 

 

Credit Scores- October 2012

EQ- 684

EX-724

TU-706


PenFed Platinum Rewards Visa-$12k

US Bank Platinum Rewards Visa-$5k

Chase Freedom Visa-$5k

Chase Military Star MasterCard-$5k

TIC FCU Visa Gold-$5k

Chrysler MasterCard(FNBO)-$4.1k

Wyndham Rewards Platinum Visa-$2.5k

Service CU Platinum Visa-$10k

Bank of America Cash Rewards123-$10k

Amex Platinum Amex PRG Amex Hilton Surpass ($7k) Citi AAdvantage WEMC ($20k) Citi Hilton Honors VS ($6.8k) Dillard's Amex ($7.5k) Discover it ($6.5k) FNBO Chrysler MC ($30k) Military Star Card ($4.8k) Nordstrom VS ($25k) PenFed Power Cash Rewards VS ($20.5k) Ritz-Carlton VI ($54.5k) Starwood Preferred Guest Amex ($10k) Susan G. Komen WMC ($38k) Kinetic CU Visa ($10k) US Bank Cash + VS ($16k) Sears MC ($6k) USAA Limitless VS ($15k) Walmart MC ($7.5k) AAdvantage Aviator Silver WEMC ($11.3k)
Message 10 of 11