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    <title>topic Re: Bank of America: Premium Rewards Approval in Credit Card Approvals</title>
    <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6274059#M733988</link>
    <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/860284"&gt;@alain4957&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Scores are updated in my signiture. I have been with Bank of America since 2009 with my checking and savings. I have around 20k in Merril. I also got my Cash rewards in 2012 with all on time payments. All my Deposits go to my checking account. In the last 12 months ive had 4 new accounts. on my experian which is what they pulled i have 15 inquries and 8 that are counted....&amp;nbsp;&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&amp;nbsp;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;This card fits my rewards and benefits features better than any other card and I've gone over them all with a fine tooth comb.&amp;nbsp; And now I've read about every message on this forum about this card.&amp;nbsp; The fact you got it with scores in low-mid 700's is a testament to what seems to be a forming consensus that the underwriting requirements focus more on your pre-existing BofA&amp;nbsp; relationship history than your credit/score report compared to other popular cards.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I've got a 753 TU and 728 EX score right now.&amp;nbsp; I'm in WA State so they are probably going to pull EX.&amp;nbsp; I opened a checking and Merril account today in preparation to give it a shot but I am very doubtful as I have no history, am not going to deposit large sums, and although I only have 5 HP's on my EX, 3 of them are within the last 3 weeks.&amp;nbsp; But I have a new NFCU that's going to report in a few weeks and take my score down so I've determined by best window is right now.&amp;nbsp; I'm going to wait for one of my cards to report at zero balance so I'll be AZEO with under 5% UTI hopfully bumping my score up a bit before apping.&amp;nbsp; But again, I highly doubt I'll get it.&amp;nbsp; But I'm will to take one more HP on EX for this year for the long shot.&amp;nbsp; If I don't get it, I'll keep the accounts open, run direct deposit through it, and wait for an offer or maybe give it another shot in a year or so.&amp;nbsp; Doesn't hurt your score to open the checking and investment account so figured why not.&amp;nbsp; Will take the $100 SUB on the checking account to make it at least worth the time for opening an account.&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;I tried the prequal which I hear unless it gives you a specific interest rate then it's really just a marketing tool. With no rate displayed, it confirms in my mind it's a long shot but like I said, I'm fine taking one more HP on my EX to see what happens.&lt;/P&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
    <pubDate>Wed, 10 Mar 2021 10:28:18 GMT</pubDate>
    <dc:creator>Jazee</dc:creator>
    <dc:date>2021-03-10T10:28:18Z</dc:date>
    <item>
      <title>Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220978#M721847</link>
      <description>&lt;P&gt;So I took a risk and applied for the Premium rewards card knowing its tuff to get. Apped On Saturday and to my surprise......application pending. So today I used the back door number and gave the rep some info and he ask to send a code to my phone and after i gave it to him boom approved for 14k!!!!&amp;nbsp;&lt;/P&gt;&lt;P&gt;He told me the app was Pending since i have a fraud alert on my credit and they wanted to check if i really did apply for this card.&amp;nbsp;&lt;/P&gt;&lt;P&gt;Great card for me to start the year.&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:43:46 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220978#M721847</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-04T22:43:46Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220984#M721848</link>
      <description>&lt;P&gt;Very nice approval out of BoA, grats on it &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 21:45:14 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220984#M721848</guid>
      <dc:creator>gdale6</dc:creator>
      <dc:date>2021-01-04T21:45:14Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220986#M721849</link>
      <description>&lt;P&gt;Thank you!&amp;nbsp;&lt;/P&gt;&lt;P&gt;Thanks to myfico for all the help and reading none stop about approvals and and applications. Time to garden as my next goal is to get a house!&amp;nbsp;&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/763931"&gt;@gdale6&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Very nice approval out of BoA, grats on it &lt;img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" /&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 21:47:04 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220986#M721849</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-04T21:47:04Z</dc:date>
    </item>
    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220992#M721850</link>
      <description>&lt;P&gt;Congratulations on your approval!!&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:00:37 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220992#M721850</guid>
      <dc:creator>mrcraft</dc:creator>
      <dc:date>2021-01-04T22:00:37Z</dc:date>
    </item>
    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220995#M721852</link>
      <description>Congratulations on your approval!</description>
      <pubDate>Mon, 04 Jan 2021 22:04:30 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6220995#M721852</guid>
      <dc:creator>AllZero</dc:creator>
      <dc:date>2021-01-04T22:04:30Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221012#M721854</link>
      <description>&lt;P&gt;Congratulations on your approval!&amp;nbsp; Sweet!&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:31:53 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221012#M721854</guid>
      <dc:creator>MartyWrite75</dc:creator>
      <dc:date>2021-01-04T22:31:53Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221017#M721857</link>
      <description>&lt;P&gt;Congrats on the approval!&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:39:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221017#M721857</guid>
      <dc:creator>coreyb80</dc:creator>
      <dc:date>2021-01-04T22:39:32Z</dc:date>
    </item>
    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221018#M721858</link>
      <description>&lt;P&gt;That's terrific! &amp;nbsp;Great start to the year indeed! &amp;nbsp;Congratulations on your approval!&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:39:36 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221018#M721858</guid>
      <dc:creator>cashorcharge</dc:creator>
      <dc:date>2021-01-04T22:39:36Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221019#M721859</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1098596"&gt;@cashorcharge&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;That's terrific! &amp;nbsp;Great start to the year indeed! &amp;nbsp;Congratulations on your approval!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Thanks its crazy how this is a hard card to get and people with better scores/income are denied for this....&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:42:21 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221019#M721859</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-04T22:42:21Z</dc:date>
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    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221020#M721860</link>
      <description>&lt;P&gt;BofA= Bank of America, right?&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:42:32 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221020#M721860</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2021-01-04T22:42:32Z</dc:date>
    </item>
    <item>
      <title>Re: BofA Premium rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221021#M721861</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;BofA= Bank of America, right?&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Correct.&amp;nbsp;&lt;/P&gt;&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;</description>
      <pubDate>Mon, 04 Jan 2021 22:43:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221021#M721861</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-04T22:43:18Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221046#M721867</link>
      <description>&lt;P&gt;&lt;SPAN&gt;Congratulations&lt;/SPAN&gt;&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 23:07:25 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221046#M721867</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2021-01-04T23:07:25Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221067#M721878</link>
      <description>&lt;P&gt;You got yourself a great approval there!! Congratulations!!&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 23:29:55 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221067#M721878</guid>
      <dc:creator>Mr_Mojo_Risin</dc:creator>
      <dc:date>2021-01-04T23:29:55Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221106#M721896</link>
      <description>&lt;P&gt;Congrats on your approval!&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Mon, 04 Jan 2021 23:51:41 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221106#M721896</guid>
      <dc:creator>Elpadrino1</dc:creator>
      <dc:date>2021-01-04T23:51:41Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221141#M721914</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1090715"&gt;@Mr_Mojo_Risin&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;You got yourself a great approval there!! Congratulations!!&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Yeah, I'm happy about this one!&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 00:20:52 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221141#M721914</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-05T00:20:52Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221143#M721915</link>
      <description>&lt;P&gt;Congrats on the new year's approval and a huge one at that!!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="20200919_114908.gif" style="width: 200px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/64896i02022F3504AD5A77/image-size/small?v=v2&amp;amp;px=200" role="button" title="20200919_114908.gif" alt="20200919_114908.gif" /&gt;&lt;/span&gt;&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 00:21:18 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221143#M721915</guid>
      <dc:creator>Credit4Growth</dc:creator>
      <dc:date>2021-01-05T00:21:18Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221147#M721917</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;&lt;a href="https://ficoforums.myfico.com/t5/user/viewprofilepage/user-id/1096547"&gt;@Credit4Growth&lt;/a&gt;&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Congrats on the new year's approval and a huge one at that!!!&lt;/P&gt;&lt;P&gt;&amp;nbsp;&lt;/P&gt;&lt;P&gt;&lt;span class="lia-inline-image-display-wrapper lia-image-align-inline" image-alt="20200919_114908.gif" style="width: 200px;"&gt;&lt;img src="https://ficoforums.myfico.com/t5/image/serverpage/image-id/64896i02022F3504AD5A77/image-size/small?v=v2&amp;amp;px=200" role="button" title="20200919_114908.gif" alt="20200919_114908.gif" /&gt;&lt;/span&gt;&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;Thanks!&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 00:24:58 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221147#M721917</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-05T00:24:58Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221177#M721923</link>
      <description>&lt;P&gt;Congratulations!&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 01:09:05 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221177#M721923</guid>
      <dc:creator>mgood</dc:creator>
      <dc:date>2021-01-05T01:09:05Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221189#M721925</link>
      <description>&lt;P&gt;Congrats on your approval!&lt;/P&gt;&lt;P&gt;I have been a prefered client for almost a yaer now, I was getting this card showing up in my offers and I pulled the trigger back in september 2020 and I was&amp;nbsp; approved instantly, they pulled TU for me. SL was 15k.&lt;/P&gt;&lt;P&gt;I have already recieved the bonus offer after meeting the requirement.&lt;/P&gt;&lt;P&gt;The card itself doesn't have any look as for being so premium lol&lt;/P&gt;&lt;P&gt;&amp;nbsp;But best part for me has been bonus reward 75% I think that make up for the look. lol&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 01:28:10 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221189#M721925</guid>
      <dc:creator>Anonymous</dc:creator>
      <dc:date>2021-01-05T01:28:10Z</dc:date>
    </item>
    <item>
      <title>Re: Bank of America: Premium Rewards Approval</title>
      <link>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221192#M721928</link>
      <description>&lt;BLOCKQUOTE&gt;&lt;HR /&gt;@Anonymous&amp;nbsp;wrote:&lt;BR /&gt;&lt;P&gt;Congrats on your approval!&lt;/P&gt;&lt;P&gt;I have been a prefered client for almost a yaer now, I was getting this card showing up in my offers and I pulled the trigger back in september 2020 and I was&amp;nbsp; approved instantly, they pulled TU for me. SL was 15k.&lt;/P&gt;&lt;P&gt;I have already recieved the bonus offer after meeting the requirement.&lt;/P&gt;&lt;P&gt;The card itself doesn't have any look as for being so premium lol&lt;/P&gt;&lt;P&gt;&amp;nbsp;But best part for me has been bonus reward 75% I think that make up for the look. lol&lt;/P&gt;&lt;HR /&gt;&lt;/BLOCKQUOTE&gt;&lt;P&gt;I wish they would make this card metal =0&amp;nbsp;&lt;/P&gt;</description>
      <pubDate>Tue, 05 Jan 2021 01:34:29 GMT</pubDate>
      <guid>https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Bank-of-America-Premium-Rewards-Approval/m-p/6221192#M721928</guid>
      <dc:creator>alain4957</dc:creator>
      <dc:date>2021-01-05T01:34:29Z</dc:date>
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