topic Re: Bank of America-No Recon in Credit Card Approvals

Bank of America-No Recon

JLRDC909 — Tue, 18 Jul 2023 14:36:20 GMT

Have a few BofA cards. Have the Premium Rewards and dont really want to renew as I don't get that much value out of it.

Called to see if they could PC to a no AF card. Talked to 2 people. No dice.

Then applied for the Custom Cash Rewards and declined. Zero option to speak with recon or any credit analyst. Tried 3 agents after denial.

BofA will not waive AF and I get that. So probably just cancelling this card altogether.

seems they just read from a script.

*Update, Can a mod move this to Approved Applications?"

after getting no where with any agent I spoke with. I just kept checking the application status online and kept saying declined.

yesterday I received a letter from a PO Box in Wilmington DE. It was a later from BofA stating "Please call us-we are working on your application and need to verify the information on your application."

this had to be done in 30 days or the application would be canceled. Could only be done M-F 8Am-5PM Eastern.

so I called and he asked for the reference number. Then the agent asked "did you apply for this card? Did you apply while you were home or traveling?, was the number you provided a home or cell?"

He then said there has been a lot of fraud lately on accounts and this was a precaution. After answering everything he told me "I can't tell you the specifics why you were flagged, but you did put your phone number as "home" and on your other accounts it is listed as cell." Not sure if that is what the trigger was and he would not tell me specifically BUT he did mention that so probably was the reason

He then told me he had to run the application through but it was set for approval. After a couple minute hold he did tell me that I will be receiving the card and in a separate pack of information later. He said "you are approved, but we don't have an assigned limit nor an APR yet." I found this odd so went back to check the application status. Approved but no limit or anything and it's not showing up in my BofA app.

first time ever having this happen. But glad it is approved

Re: Bank of America-No Recon

FireMedic1 — Fri, 14 Jul 2023 13:01:13 GMT

You took the hits for the new account. Keep it a year and then decide its not for you. Closing cards because you didnt get you wanted. All of us would have half the cards we have. You may have hit their internal limit. But congrats anyways!

Re: Bank of America-No Recon

coldfusion — Thu, 13 Jul 2023 01:54:51 GMT

You didn't mention whether or not you've held the Premium Rewards card for at least a year. BoA isn't adverse to product changes but some specific conversions can be allowed or disallowed depending on the specific circumstances and relationship of the account holder.

And no BoA generally does not actually recon. There are occasional reports of a recon request triggering a new application for the same card being processed and submitted by a CSR and not a manual review by an underwriter. (BoA does generally by default reuse a hard pull less than 30 days old)

Re: Bank of America-No Recon

JLRDC909 — Tue, 18 Jul 2023 14:25:54 GMT

Sorry for the delay in reply. Yes I have held it a lot longer than a year.

*update*. Approved after calling a number BofA sent in a letter.

Re: Bank of America-No Recon

Meanmchine — Fri, 21 Jul 2023 01:45:50 GMT

Gotta love BoA

Congrats !

Re: Bank of America-No Recon

CreditMagic7 — Fri, 21 Jul 2023 16:12:13 GMT

congrat

Re: Bank of America-No Recon

gingerflower — Fri, 21 Jul 2023 19:40:33 GMT

Congratulations on Boa approval 👍

Re: Bank of America-No Recon

KingRue8500 — Fri, 21 Jul 2023 20:34:51 GMT

Congrats on your BOA Customized Cash Rewards approval

Re: Bank of America-No Recon

NoMoreDebt — Sat, 22 Jul 2023 11:41:26 GMT

Congrats on the approval

Re: Bank of America-No Recon

JoeRockhead — Sat, 22 Jul 2023 11:42:28 GMT

Nice, congratulations!

Re: Bank of America-No Recon

CreditAggie — Mon, 24 Jul 2023 21:30:57 GMT

Congratulations on your BofA approval! I have observed on the forums that BofA can be hit or miss with product changes.

Re: Bank of America-No Recon

cashorcharge — Tue, 01 Aug 2023 19:49:06 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂