Really want to apply for Bank of America better balance

[AverageJoe1970]

Got the BOA Cash Rewards VISA Sig last week - Opened w/ $21K CL - Pulled Experian - just refreshed TU and EQ and no BOA HP on those.

Also agree, your utilization seems a bit high.

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@CreditMagic7 wrote:

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@ojefferyo wrote:

When I got my cash rewards it was a pull on EX and a pull on TU for CLI

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Same here.

Was denied on the EX pull but approved with the TU on Recon for BBR card.

Would be to your favor to bring that Utility down as suggested too

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[Anonymous]

Wow, a 6 year old 30 day late got you denied??? Darn, any general advice on credit cards, preferably through a bank, that would not be as picky for my particular FICO? Any other bank of America cards that more people seem to get approved for?

[B335is]

BoA reconsideration is a very close second to Chase. If denied, Underwriting will take a human look at your application.

Agree get your utilization down and expect an EX pull.

[Imperfectfuture]

I would do a search over here, let me do that for you.

http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?sort_by=-topicPostDate&location=forum-...

And

http://ficoforums.myfico.com/t5/forums/searchpage/tab/message?location=forum-board%3AApplications&q=...

[Anonymous]

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@B335is wrote:
BoA reconsideration is a very close second to Chase. If denied, Underwriting will take a human look at your application.

Agree get your utilization down and expect an EX pull.

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I still like Barclay's Recon the best.

BoA/FIA reconsideration (Yes, I C/O'd 7+yrs ago but paid them a year later..), while for the most part friendly were serious about their gate keeping. Wouldn't even give me a pissant $500 to screw around with.

[FinStar]

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@Anonymous wrote:

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@B335is wrote:
BoA reconsideration is a very close second to Chase. If denied, Underwriting will take a human look at your application.

Agree get your utilization down and expect an EX pull.

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I still like Barclay's Recon the best.

BoA/FIA reconsideration (Yes, I C/O'd 7+yrs ago but paid them a year later..), while for the most part friendly were serious about their gate keeping. Wouldn't even give me a pissant $500 to screw around with.

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Well, they are protecting their fortress after all!  But 15 recons is insane.  Maybe, you'll score better with them next year?  There's always that option.  Plus we know you still want BBR and/or Fidelity AMEX.

[Anonymous]

I do want a BBR of my own. Lol.

[Anonymous]

can we app for another BBR card if we have one already?

[barthooper]

Upon finding out about this card a couple of weeks ago, I was interested but saw some people in different threads mentioning that it was likely going to be discontinued soon so I wasn't sure if it would be a good idea or not. Any recent news on this?

[Closingracer99]

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@kdm31091 wrote:

I believe they're usually a TU puller.

It looks as though you primarily have store cards. BBR is not known as one of the easiest cards to get, but maybe someone can chime in with app experience.

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They pulled EX for my app but have pulled TU for my CLI and EQ once.

BoA does have a good recon chances though at least in my experience . I got denied for the MLB cash rewards card but called the backdoor and without even asserting much effort got it approved for $2,500 CL. Now it's at $10,000