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Bank of America - denied Cash Rewards 123

Valued Member

Bank of America - denied Cash Rewards 123

Decided to apply for the Cash Rewards card and was declined. I have 7 inquiries and 3 recent cards reporting. Woman on the phone stated that she would like to see how I do with my new credit. Oldest acct is JCPenney 8 years. I guess they were spooked by the new accts I just opened. I should have apped with BOFA first. Oh well, lesson learned.

Message 1 of 4
3 REPLIES
Mega Contributor

Re: Bank of America - denied Cash Rewards 123

Sorry to hear....

Did you already recon?



EQ FICO 548 3/3/16
Message 2 of 4
Valued Member

Re: Bank of America - denied Cash Rewards 123

Yeah they told me to try again in the future after I prove myself with their other cards.

Message 3 of 4
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Established Member

Re: Bank of America - denied Cash Rewards 123


HappySoda wrote:

Decided to apply for the Cash Rewards card and was declined. I have 7 inquiries and 3 recent cards reporting. Woman on the phone stated that she would like to see how I do with my new credit. Oldest acct is JCPenney 8 years. I guess they were spooked by the new accts I just opened. I should have apped with BOFA first. Oh well, lesson learned.


Try again after your 3 new accounts hit their 6 month mark. Keep your overall util low. BofA can be flexilbe if you give them something to work with. I got my first card with them on recon and they've been nothing but good to me since.

Message 4 of 4