topic Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!! in Credit Card Approvals

BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

snickerpedia — Sat, 09 Nov 2019 17:47:08 GMT

UPDATE---JUST CALLED AND THEY APPROVED ME FOR 17K!!! WOW - i guess they are not inquiry sensitive ---I am in shock!!!! I'm still thinking it is a mistake and won't believe it until I see it in my online account!!

So on the last app of my "spree" I decided to go for the boa cash rewards card and was totally expecting a denial. I have 9 recent inquiries on Experian and I mean recent.

App went to 7-10 day message per usual.

Just got a call about 10 minutes ago from a CSR asking me if it was me who applied and if I had recently applied for a bunch of credit cards lately haha...I shamelessly said yes and confirmed it was me.--- Hung up with her, went back to my computer and my email was RAGING with alerts about a pull on TU just now ( I AM SO PISSED I FORGET TO RELOCK MY TRANSUION). My transunion has 14 inquiries all within the past 6 months and about 6 in the past 30 days. I figured I was just instantly denied but that I would check the online app status just to humor myself.

Low and behold - Approved.

I do have a newly opened BOA checking account with not much in it. But my question is, will my card show up in my online account soon so I can see the SL, or will I have to call them and try to find out? Is there another way to find out my SL? I'm guessing it is like 500 SL heeh.

Now I really will be in the garden for a year or two!!!

Just thought I'd list my inquiries to give some people chuckle---

Experian

BK OF AMER

Inquiry date: Nov 8, 2019

FIRST TECH FCU

Inquiry date: Nov 6, 2019

PNC BANK

Inquiry date: Nov 6, 2019

UNIFY FCU FKA WESTRN F

Inquiry date: Oct 29, 2019

JPMCB CARD

Inquiry date: Oct 24, 2019

AMEX

Inquiry date: Jul 31, 2019

OMENITYCB/TRUEVALUEDI

Inquiry date: Jun 20, 2019

AMEX

Inquiry date: Jun 18, 2019

AMEX

Inquiry date: Jun 17, 2019

Transunion:

Bk Of Amer

Inquiry date: Nov 9 2019

Syncb/1travl

Inquiry date: Nov 6, 2019

TOWER FEDERA

Inquiry date: Nov 6, 2019

BECU

Inquiry date: Oct 26, 2019

JPMCB CARD

Inquiry date: Oct 24, 2019

AMERICAN EXP

Inquiry date: Aug 2, 2019

WRIGHT-PATT

Inquiry date: Jul 18, 2019

NORDSTROMTD

Inquiry date: Jun 29, 2019

SYNCB/COAIR

Inquiry date: Jun 19, 2019

SYNCB/WALMRT

Inquiry date: May 21, 2019

SYNCB/PPMC

Inquiry date: May 21, 2019

ALLIANT CRED

Removal date: Apr 19, 2021

SYNCB/WALMRT

Inquiry date: Mar 26, 2019

BRCLYSBANKDE

Inquiry date: Mar 26, 2019

SYNCB/PPMC

Inquiry date: Mar 13, 2019

Re: BOA Cash Rewards Approval - Hmmm

Anonymous — Sat, 09 Nov 2019 17:30:21 GMT

Congrats on your approval! I agree with garden for sure 😁

Re: BOA Cash Rewards Approval - Hmmm

slickwidit — Sat, 09 Nov 2019 17:29:53 GMT

Congratulations on the approval!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

AllZero — Sat, 09 Nov 2019 17:56:01 GMT

Congratulations on your approval!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Cred4All — Sat, 09 Nov 2019 18:17:28 GMT

Congrats on a successful outcome, nice SL!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Rebuild2019 — Sat, 09 Nov 2019 18:50:44 GMT

Congratulations @Snickerpedia 🎊🎉🎈. I am glad to see someone else having a good day also.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

GApeachy — Sat, 09 Nov 2019 18:51:31 GMT

@snickerpedia wrote:
UPDATE---JUST CALLED AND THEY APPROVED ME FOR 17K!!! WOW - i guess they are not inquiry sensitive ---I am in shock!!!! I'm still thinking it is a mistake and won't believe it until I see it in my online account!!

Glad you didn't put money on this one! Hahahaha, Congrats on being WRONG!!!! Is there another way to find out my SL? I'm guessing it is like 500 SL heeh.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

gdale6 — Sat, 09 Nov 2019 18:57:49 GMT

You snuck in with this approval, grats and yes time to garden

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

snickerpedia — Sat, 09 Nov 2019 19:00:32 GMT

@Rebuild2019 wrote:
Congratulations @Snickerpedia 🎊🎉🎈. I am glad to see someone else having a good day also.

I think all these lenders are full of holiday Spirit!!!!!!!!!!!!!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

ocheosa — Sat, 09 Nov 2019 19:23:40 GMT

Congratulations !! Red Alert ! Win-Win Scenario !!!

Those inquiries only prove you are serious about Financial Management and you have taken a strategic method in bolstering your portfolio! Best to app in earnest within the same period so all inquiries will drop at approx the same time! AND, more important, the neg effect from the New Accts will age together vs 1-3 new accts every 6 months for years. I've been at this game for 32yrs and the method has always proven fruitful for me. I went on a 4 month spree (+4,+1,+1,+2) and yes there were a few denials but the Approvals, well, I did much better than planned ! Win-Win Scenario !!!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Aim_High — Sat, 09 Nov 2019 19:45:59 GMT

@snickerpedia wrote:
UPDATE---JUST CALLED AND THEY APPROVED ME FOR 17K!!! WOW
I decided to go for the boa cash rewards card and was totally expecting a denial.
Low and behold - Approved.

Congrats on an awesome score!

You hit that one out of the park!

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

CreditCuriosity — Sat, 09 Nov 2019 21:05:29 GMT

Congrats... They double pulled you? A bit unique for BofA.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

snickerpedia — Sat, 09 Nov 2019 21:34:31 GMT

Yup. Pulled experian last night and TU today right after they called me. I guess it was worth it

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Vegasr — Sat, 09 Nov 2019 21:51:36 GMT

Congrats, very nice SL too.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

M_Smart007 — Sat, 09 Nov 2019 22:10:08 GMT

Congrats!! ..nice SL

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

snickerpedia — Sat, 09 Nov 2019 22:50:33 GMT

Well the inquiries definitley had an effect on my APR hehe (which was to be expected and doesnt really effect me cause I pay in full). just called to ask about my APR and its 25.74 lol the highest; but I guess that was to be expected with 15 and 9 inquiries.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Anonymous — Sat, 09 Nov 2019 23:05:44 GMT

holy cow, congrats! the phone call and double pull pretty much says that you were initially denied and got an automatic recon. your bank account with them is probably what saved you. how many new accounts are on your EX and TU reports, not inqs but actual new accts and how old is each one?

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

snickerpedia — Sat, 09 Nov 2019 23:44:01 GMT

@Anonymous wrote:
holy cow, congrats! the phone call and double pull pretty much says that you were initially denied and got an automatic recon. your bank account with them is probably what saved you. how many new accounts are on your EX and TU reports, not inqs but actual new accts and how old is each one?

interesting...... yeah they called and seemed concerned that i had been applying so much and I told them, "yeah i know it is bad but they were all me". Then i came back to the TU alerts and approval. I had just checked the status before that and it was still under review(because I'm neurotic like that)

---well this is shameful. (I'm going to list them as when they first reported. I still have an amex that has not reported yet too hehe.)

May 19' - 3 new accounts

June 19- 1 new account

July 19' - 0 new account

Aug 19 - 2 new account

Sep 19 -1 new account

Oct 19 -1 new account

But I guess you also have to keep in mind that my oldest account on TU reporting is 30 YRS old.

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Anonymous — Sat, 09 Nov 2019 23:53:44 GMT

if your amex was reporting you probably would of got flat-out denied with no way to recon it, according to this page here:

https://www.doctorofcredit.com/report-bank-of-america-7-12-rule-3-12-rule-for-new-cards/

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Pro-X — Sun, 10 Nov 2019 00:13:42 GMT

Congrats!!