BofA Accelerated Amex Cash back version

[nuugatman]

Is this a difficult card to get? What do you think my chances would be with HHI of $80,000 and these scores- TU-723, EX-729, EQ-693. Does anyone know which one would they pull in Alabama?

[Creditaddict]

you can go to BofA website and do pre-qual form and see if it is offered to you.

[Anonymous]

Pretty good scores and a good HHI, I don't see why you wouldn't be. Give it a shot.

[nuugatman]

I can't. I opted out of pre-qualified offers.

[FICOfanatic]

You should have no problem with it.  I have the regular version (black version) and I have almost identical scores.  My HHI is about half that because I am single and live by myself.  I did convert however from the VISA Signature and I have had the account 6 years with plenty of usage/good history.  I have another BofA Amex card that I might convert to the Accelerated Cash Rewards Amex if I cannot convert it to Cash Rewards Platinum Plus Mastercard.

Do not sweat it, go for it...  and let us know!

[nuugatman]

Well I decided to go for the platinum plus visa since I'm already an AU on my wife's bofa amex and I really just needed a 0% card to transfer a balance. It said it would give me an answer in a few days. Is that a good sign?

[FretlessMayhem]

With an EX FICO score that high you shouldn't have a problem.

However, BOA loves to decline for charge offs and collections, should you have any old ones on your CR. But the good news is that with those scores, if you do get declined you should be able to recon fairly easily.

[nuugatman]

Well that was quick. I signed in and it says I was denied. What is a good recon# to use?

[Geordi]

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@nuugatman wrote:
Is this a difficult card to get? What do you think my chances would be with HHI of $80,000 and these scores- TU-723, EX-729, EQ-693. Does anyone know which one would they pull in Alabama?

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When dealing with BoA it is ALWAYS better to use a backdoor number and speak directly with a credit analyst. In this way if there are ANY issues that are questionable or problematic, the analyst will ask you to explain the situation. They will then try to help you based on the explanation that you have given.

The credit analysts that I have dealt with have always been more than helpful, especially when you explain how and why the derogatories (if any) on your credit report occurred.

GL

[haulingthescoreup]

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@nuugatman wrote:
Well that was quick. I signed in and it says I was denied. What is a good recon# to use?

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Ouch, sorry.

Are those your FICO scores that you posted, or did they come from somewhere else?