@Anonymous wrote:I am getting ready to apply for a BoA credit card, but am not sure what card I want to apply for. (I have my primary checking/savings accounts with them, as well as retirement accounts. I expect a credit card with them would grow nicely over time)
If I apply for the Visa Signature Cash Back Card they are currently offering, but am denied, would I be able to apply for one of the lesser cards (plain-vanilla Visa) using the same credit pull? I am trying to avoid needless inquiries.
Thank you in advance for your help!
Whats your credit history like?
Do you have any CC, or Loans at all and. Explain your credit profile we can give you some advice.
I got their signature visa but I have a diverse credit profile. so some info will help us help you! 
Hi, thanks for the responses. I have not applied yet, so I haven't had a chance of getting denied.
I currently have three credit cards:
Bank VISA c.a.1k limit opened early 2010
Bank VISA c.a. 1k limit opened early 2010
AMEX Zync c.a. 5k high balance opened mid/late 2010 (backdated to c.a. '03)
I am a student so I have been working on building my credit (I got both bank cards the month I turned 18). My last credit score was around 730 from TU (real FICO score, not a FAKO). A balance was reporting on all of my cards so that may have lowered the score (I pay everything off at the end of each month). I have made sure to pay off my cards before the statement cuts the last 2 months to maximize my score before I apply. I have around 5 inquiries (but only 2 within the last year). My credit report is completely clean, and I have some student loans reporting.
Although my personal income is low (I am still supported by my parents until I graduate), I have a good amount of assets in my name with BoA (Savings & Merril accounts). I hope my banking history with them can get me a decent card limit despite my low income.
It was my understanding that I apply for a card and am either accepted or denied. Are you saying they offer me whatever product they think is the best fit regardless of which card I apply for?
It's just a two tier system that Visa uses and they provide different benefits. If you apply for the cash back card from BOA, you will get a cash back card if they accept you. But it can be a cash back visa signature or a cash back platinum visa. If you are only interested in earning some cashback, they are the same. Basically you get a higher-end version of the same card if you are accepted for a credit line higher than $5000. If you currently have a credit card with BOA, try calling them and ask for a product change. Easier if one or your current credit card is some plain old visa from BOA.
Starting Score: EQ: 703 (4/2011);