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bofa ??

Frequent Contributor

bofa ??

Fairly new poster. Been lurkin for a while.. was recently approved for the ak airlines card. The platinum version.. "no 99 companion ticket" ... was wondering how long I should wait to ask to switch to the sig version with the companion flight. little background info.. super thin file..no credit cards for 10 plus years.. occasional auto loan always paid on time.. one unpaid collection from 12/10.. very small from local internet company . Refuse to pay it. Many new accounts from recent app spree.. chase freedom for 3500, nfl card for 2500, newegg for 2500, ak air for 2500 and last... most certainly least amex blue sky for 500... should I give it 6 months ??? A year ??


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 1 of 18
17 REPLIES
Super Contributor

Re: bofa ??

Welcome what's the limit on the card?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 18
Frequent Contributor

Re: bofa ??

Not sure it matters.. or if it had much to do with initial approval.. but ive been au on business acct for few yrs now


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 3 of 18
Frequent Contributor

Re: bofa ??

2500.. seems besides chase and amex thats my magic number for now lol


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 4 of 18
Frequent Contributor

Re: bofa ??

Cant blame them too much.. know its all computer.. and I havent had credit cards in years.. so im certainly not complaining about my limit.. just curious how long I should wait to go for the sig


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 5 of 18
Super Contributor

Re: bofa ??

Sig cards in most cases must have a 5k limit 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 6 of 18
Frequent Contributor

Re: bofa ??

I've had a AK visa for 20 years. Alaska Air miles are very valuable to me

and the card has been my main card for a lot of the time I've had it.

I'm not a real fan of BoA though. Any CLI or PC I've gotten over the years

has resulted in a HP. BoA also did some very funky stuff during the 2008

during the credit melt down including slashing CL on cards with perfect

histories. They haven't been tough on CLI increases for me though, except

for it is always a HP.

 

You'll need a $5k limit for a AK signature visa. Did you initially apply for

the platinum card, or was that what they offered when you applied? As

far as I've seen, Alaska Airlines really pushes the signature version of

the card so it makes me wonder if you aren't ready yet in their opinion for

a signature visa. 

Message 7 of 18
Frequent Contributor

Re: bofa ??

Well more or less im sure they werent ready to give me  a sig card


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 8 of 18
Frequent Contributor

Re: bofa ??

All the credit cards I listed In op were within last two months.. only other recent credit activity is a car loan opened In 4/13.. prior to that no activity/open accts for 2 + yrs


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 9 of 18
Frequent Contributor

Re: bofa ??

The perks of an ak air card and the miles program are great for me also... born and raised here


outta the garden.. for a house Smiley Very Happybr>Current score - eq 682(myfico) ex 703(ex 02) Tr 701 (tr 04) ck fako 66)
In the wallet - freedom 6k - Marriot 16.3k - Ak Airlines 25k - Bass pro MC (BofA) 12.5k - Amex SPG 18k - Amex Everday 11.7k - Amex BC 1K - Barclay Rewards 4k Newegg preferred 2.4k - Cabelas 2k - Diners Club Elite 15k -Diners Club Premier 15k - CU1 15K -Blue Nile 15k - Lowes 17k... HD 10k
Message 10 of 18