topic Re: BOFA Cash Rewards WMC approved! Small SL in Credit Card Approvals

BOFA Cash Rewards WMC approved! Small SL

pizza1 — Sat, 14 Jul 2018 15:56:41 GMT

Hey everyone! The $800 SL isnt anything great, but the approval is, and Im happy about it!

A little history with BOFA first...Was approved for their 99/500 deal on a counter offer in 01/2016, accepted the offer, and the card graduated 5 months later 06/2016 with a CLI to $1500, where it stayed. I tried mulitple times for CLI's, and was never successful, so I got impatient and closed it a year later in 06/2017. Later decided that it probably wasnt the best plan to close it, and I've tried to get another card ever since, always denied for the usual.. inq, new accts, bk.

Fast forward....applied on 6/29/18, and went to review this time! I decided to just call into the BD#, and "inquire". Got a super nice UW, we talked for a bit, I explained my last card with them, and how I was a bit impatient, and regretted closing it blah blah blah. She said that she was recommending me for approval, but had to go to her manager first to sign off, but didnt see a problem, and just wanted to "get me back in the door" with a unsecured product due to my "fantasic rebuild". lol

Turns out the manager was on vacation for a week, and didnt see my app till a few days ago. The UW called me personally, and told me it was approved, and also that I should start seeing CLI's on the account now since it started off as an unsecured card immediately, and not a partially secured one like the last one, as I was in a bucket.

So, the BOFA saga starts again, LOL!

Pulled TU 676, 70 inq (dont ask), 15 new accts last 2 yrs (5 in last 2 months), no prior or current banking relationship, BK7 5yro, 6 IIB's still showing.

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 16:00:10 GMT

Congrats! Hope this card grows better than the the last one!

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 16:00:28 GMT

Great story, Pizza. Congrats! Thanks for sharing the DPs too.

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 16:33:27 GMT

Congrats on approval , Welcome back BofA Family

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 18:12:04 GMT

congrats on the approval.

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 18:14:55 GMT

Congrats Ms. Pizza. 🍾🎉🎊🥓.

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 20:38:50 GMT

Congrats on the approval!!

Re: BOFA Cash Rewards WMC approved! Small SL

Gmood1 — Sat, 14 Jul 2018 20:43:54 GMT

Congrats on getting back in with BofA Pizza!
You have the heart of a 🦁

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 20:59:35 GMT

@pizza1
Pulled TU 676, 70 inq (dont ask), 15 new accts last 2 yrs (5 in last 2 months), no prior or current banking relationship, BK7 5yro, 6 IIB's still showing.

Rookie.. LOL sorry couldnt help myself on that one. I was not able to get a BOA card for that reason, but i didnt have a secured card with history with them as well.

Re: BOFA Cash Rewards WMC approved! Small SL

Mahraja — Sat, 14 Jul 2018 21:03:09 GMT

Congrats pizza no worries it will grow like a wild fire remember its BOA+150$ bonus

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 21:31:35 GMT

Congrats on your approval!

Re: BOFA Cash Rewards WMC approved! Small SL

Anonymous — Sat, 14 Jul 2018 22:06:44 GMT

@pizza1 wrote:
Hey everyone! The $800 SL isnt anything great, but the approval is, and Im happy about it!

A little history with BOFA first...Was approved for their 99/500 deal on a counter offer in 01/2016, accepted the offer, and the card graduated 5 months later 06/2016 with a CLI to $1500, where it stayed. I tried mulitple times for CLI's, and was never successful, so I got impatient and closed it a year later in 06/2017. Later decided that it probably wasnt the best plan to close it, and I've tried to get another card ever since, always denied for the usual.. inq, new accts, bk.

Fast forward....applied on 6/29/18, and went to review this time! I decided to just call into the BD#, and "inquire". Got a super nice UW, we talked for a bit, I explained my last card with them, and how I was a bit impatient, and regretted closing it blah blah blah. She said that she was recommending me for approval, but had to go to her manager first to sign off, but didnt see a problem, and just wanted to "get me back in the door" with a unsecured product due to my "fantasic rebuild". lol

Turns out the manager was on vacation for a week, and didnt see my app till a few days ago. The UW called me personally, and told me it was approved, and also that I should start seeing CLI's on the account now since it started off as an unsecured card immediately, and not a partially secured one like the last one, as I was in a bucket.

So, the BOFA saga starts again, LOL!

Pulled TU 676, 70 inq (dont ask), 15 new accts last 2 yrs (5 in last 2 months), no prior or current banking relationship, BK7 5yro, 6 IIB's still showing.

Congrats...lol

Re: BOFA Cash Rewards WMC approved! Small SL

AverageJoesCredit — Sat, 14 Jul 2018 23:24:45 GMT

Nice job Pizza, Boas eat mice not Pizza so you should be good to go

Re: BOFA Cash Rewards WMC approved! Small SL

19eighty5 — Sat, 14 Jul 2018 23:52:39 GMT

Congratulations!

Re: BOFA Cash Rewards WMC approved! Small SL

xaximus — Sun, 15 Jul 2018 06:47:59 GMT

Congrats on getting back into the BoA family and 70 inqs...Jag had more lol..

Re: BOFA Cash Rewards WMC approved! Small SL

UncleB — Sun, 15 Jul 2018 09:33:00 GMT

Fantastic and fearless as always... huge congrats, my friend!

Re: BOFA Cash Rewards WMC approved! Small SL

AverageJoesCredit — Sun, 15 Jul 2018 14:43:58 GMT

Is it me or is small sl the new thang for 2018. I mean others may cry but I think it makes you boss that you could put a charge or two and in one shot max it out, just shows how much a playa we are

Re: BOFA Cash Rewards WMC approved! Small SL

pizza1 — Sun, 15 Jul 2018 21:38:41 GMT

Thank you so much everyone for the support!! Appreciate it

Im waiting to post another approval I got after I can get my account set up. You know how I like to post pics! LOL..

Re: BOFA Cash Rewards WMC approved! Small SL

AverageJoesCredit — Sun, 15 Jul 2018 21:42:15 GMT

Ouch.... cold Pizza, cold

Re: BOFA Cash Rewards WMC approved! Small SL

wit2bees — Mon, 16 Jul 2018 01:49:53 GMT

@Anonymous wrote:
@pizza1
Pulled TU 676, 70 inq (dont ask), 15 new accts last 2 yrs (5 in last 2 months), no prior or current banking relationship, BK7 5yro, 6 IIB's still showing.
Rookie.. LOL sorry couldnt help myself on that one. I was not able to get a BOA card for that reason, but i didnt have a secured card with history with them as well.

Those INQUIRIES LOL..... sheesh I hate to even count mine. I noticed that MYFICO doesn't calculate them quite right.... I feel like I have 100 but maybe not. Jago...how did you get in with PENFED my scores are a little higher my BK was discharged in 2015 and they just closed my overdraft....for no reason. Any advice?