What does Bank of America like to see??

killer_queen229 · ‎03-11-2014

If Bank of America denies you for things like "too many inquiries last 12 months", "length of time accounts have been established" and things of that nature, how long do they like to see you "garden" before trying to apply for one of their cards again? Beginning of January as some of you may know that they denied me for their Susan G. Komen cashback Mastercard. I guess it's a World Mastercard when I was told by the person I spoke with on the BOA website that they didn't offer it as such anymore.. but my denial letter said it was a World card and I'm reviewing the reasons why I was denied. I was thinking about trying to apply for it again late in the Summer or early Fall this year.. thinking that all my new accounts I've gotten early this year will be not nearly as new as they are right now and some of my inquiries will not matter by the time late Summer/early Fall arrives. I really like the cause. And also, does anyone have this card? What is your review on it and do you like it? Also, is it worth having if you aren't a banking customer of theirs?

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grinlikechelsea · ‎03-11-2014

Time is the only thing that'll help you for INQs and low AAoA. Your plan is pretty solid, but BoA may want more time.

killer_queen229 · ‎03-11-2014

@grinlikechelsea wrote:
Time is the only thing that'll help you for INQs and low AAoA. Your plan is pretty solid, but BoA may want more time.

I have 2 Visas, 2 Amexs, 1 Discover, 1 Mastercard. I really want another Mastercard so it doesn't feel so awkward lol. I have 3 store cards so I am hoping that maybe TJx Rewards will just offer me their Mastercard then I may not have any interest in a BOA card.

killer_queen229 · ‎03-11-2014

Not only am I hoping, but I just paid the bill for using the card the first time since November.. then I used it today so they can see that I am using it.

B335is · ‎03-11-2014

Did you try recon? Ive had success overcoming the new accts thing with BoA by just saying I like to get the most for my money and read fico forums religiously.

.....it works 2 for 2 so far

killer_queen229 · ‎03-11-2014

@B335is wrote:
Did you try recon? Ive had success overcoming the new accts thing with BoA by just saying I like to get the most for my money and read fico forums religiously.

.....it works 2 for 2 so far

Yes I did try and they said I could only recon by mail. I also kept getting hung up on so I thought it was a lost cause.

B335is · ‎03-11-2014

Strange, I usually get fairly pleasant BoA analysts. Youre calling the number in the sticky?

killer_queen229 · ‎03-11-2014

I think I looked it up online. I really wish TJx Rewards would just upgrade my card that I've had for nearly 8 months now. Instead of waiting to apply for a card that I may not be able to apply for until around Christmas or New Years 2015.