Thoughts on BoA Accelerated Amex

[drsmith]

I take a lot of these cards from people and it's caught my eye. I haven't checked my fico in a few month but last I checked it was between 720-730

I currently have 2 credit cards, USAA MC with a 7k cl and a Capital one platinum with a $750 limit that they refuse to increase. My current util is under 15% and I don't have anything negative on my report. I'm open to suggestions for other cards though, my heart isn't set on anything. I just have been bitten by the application bug

[DI]

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@drsmith wrote:

I take a lot of these cards from people and it's caught my eye. I haven't checked my fico in a few month but last I checked it was between 720-730

I currently have 2 credit cards, USAA MC with a 7k cl and a Capital one platinum with a $750 limit that they refuse to increase. My current util is under 15% and I don't have anything negative on my report. I'm open to suggestions for other cards though, my heart isn't set on anything. I just have been bitten by the application bug

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I PC'd to the card a month ago, but I have yet to use it.  One can accumulate alot of points quicky if they make it their main cards.  I won't be using the card until May.  My  reason for getting the card is because I had one of those Visa Signature cards that doesn't report the credit line. 

[drsmith]

Forgot to add that the USAA is a fairly recent acquisition in the credit world. I've only had it since late November. Maybe it's best if I hold off on another application

It's the only card I've applied for in years though

[DI]

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@drsmith wrote:

Forgot to add that the USAA is a fairly recent acquisition in the credit world. I've only had it since late November. Maybe it's best if I hold off on another application

It's the only card I've applied for in years though

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I have a total of 9 active cards and about 5 cards that I closed for various reasons.   If you've only applied for one card in years, I think you're in good shape. 

[tntexans72]

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@drsmith wrote:

Forgot to add that the USAA is a fairly recent acquisition in the credit world. I've only had it since late November. Maybe it's best if I hold off on another application

It's the only card I've applied for in years though

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First of all, have you had any inquiries on your report in the last 6 months? If you had more than 3 on each report in the past 6 months, I would stop apping for now.  If you have 1-2 inquiries on your report and no baddies in the past 6 months, than I would try to get one more card.

Check to see which CB USAA pulled (Ex, Eq, Tu). I would than search for Rewards CC that will pull a different CB to one doesn't take multiple hits of a hard inquiry. You can read on this forum and search. You'll than have a better idea which bank pulls what CB. For example, if you want a reward card from Barclays, they generally pull TU and if you have no inquiry on TU, your more than likely will be approved, etc.....Good luck.

[drsmith]

The only inquiry in the past 6 months is the USAA card

I have never had baddies on my credit report

[drsmith]

Got the 30 day written response message

lame

[breakthecycle]

Try the backdoor number, or ask to speak to a credit analyst and see what happens.

[jefftca925]

BofA is usually pretty good with recons.  There is also an application status link on their credit card page that you can check on.  Good luck!!

[haulingthescoreup]

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@drsmith wrote:

Got the 30 day written response message

lame

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Did you go without credit for a number of years, and you've only started using revolving credit again this past fall? (I might have misread this; my apologies if I did.)

If so, you might want to build a bit more of a track record with your CC's before applying again. I'd wait until you have 12 months of current history reporting.