Really confused about BOA

CS800 · ‎07-19-2012

Tow days ago, I got approved for the Cash Reward Privleges card with a $15K CL

Got a call about 20 minutes ago telling me that I have been approved for the Travel Rewars Privileges card with a $5K CL

So I ask the credit analyst what this is about. She said it looks like there was also an application for the Travel REwards Privileges. And she confirmed it was onlt one HP, gave me her name etc.

The best part, According to their website, both have a $75 after the first year. She said they are going to give me the Travel Rewards Privileges with no AF at all not just the first year .

I need a drink after that call. Where's my Jack D??

injustifiiable · ‎07-19-2012

You lucky duck. You got back in like you wanted double time!

CS800 · ‎07-19-2012

Seems to have lucked out with BOA. I took the card though. 1 HP for 2 cards.

The credit Gods are smiling at me

jsickz32 · ‎07-19-2012

Mind sharing whats your income and scores?

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

emptypockets · ‎07-19-2012

You got a two-fer. Cool! Will the second card report the limit?

CC's: AMEX (4), Alliant Visa, PenFed AMEX, Pen Fed Promise, Citi (3), Chase (5), US Bank Cash+, Huntington Voice, Nasa Plat Cash Visa, Barclay's Visa, Discover IT, Cap One QS, BOA (2), BMW Visa, 5/3 Real Life Rewards MC; FNBO Amex; Comenity Visa/MC (3), Ebates Visa Siggy, Nordstrom Visa, Walmart MC, Sam's Club MC; A few assorted store cards.

Current Scores (09/2017): EQ My Fico: 786; TU MyFico: 799; EX (My Fico): 797

john398 · ‎07-19-2012

Wow that is great, I was thinking about applying for the Total Rewards card since I am into Gaming however my Util is too high right now to apply

CS800 · ‎07-19-2012

@emptypockets wrote:
You got a two-fer. Cool! Will the second card report the limit?

It's still a signature so most likely no

CS800 · ‎07-19-2012

@john398 wrote:
Wow that is great, I was thinking about applying for the Total Rewards card since I am into Gaming however my Util is too high right now to apply

My util on EX is 3% i checked yesterday.

Anonymous · ‎07-19-2012

When I first come to US, I went to BoA and applied for a student CC there, after a few days I didn't recieve any response so I applied online again and 2 weeks later I got 2 CCs I don't remember if it was one HP or 2 but it was a good experience

SwiftTone · ‎07-19-2012

BoA. what a strange animal

Just wait for when both cards report on your CR, and get a call from BoA that they are taking AA because you have 1 too many new accounts. I'm kidding of course.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766