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I applied for the Boa BBR and was rejected despite my clean record and perfect payment history apparently because I opened Freedom, Freedom Unlimited and Double Cash within the past couple months. I thought I might get preferential treatment seeing as I have ten years of PIF with BoA but alas I was once again rejected when I called to recon.
I don't think they have any rules like that. I just got my first BoA card and I have many more than 3 in 24 months new cards.
@BirchBarlow wrote:I applied for the Boa BBR and was rejected despite my clean record and perfect payment history apparently because I opened Freedom, Freedom Unlimited and Double Cash within the past couple months. I thought I might get preferential treatment seeing as I have ten years of PIF with BoA but alas I was once again rejected when I called to recon.
How many months? Even if they have a "3/x" rule or general practice, I wouldn't assume x was 24.
I don't think so. I know BoA can be inquiry/new accounts sensitive.
@BirchBarlow wrote:I applied for the Boa BBR and was rejected despite my clean record and perfect payment history apparently because I opened Freedom, Freedom Unlimited and Double Cash within the past couple months. I thought I might get preferential treatment seeing as I have ten years of PIF with BoA but alas I was once again rejected when I called to recon.
what are your scores? if they are 700+ I would call a sr analyst in the backdoor section and plead your case. Just make sure there will not be another inquiry.
If you are at <5/24 and scores >700 you should be applying for the CSR!