topic Re: Bank of America Customized Cash Rewards Visa approval in Credit Card Approvals

Bank of America Customized Cash Rewards Visa approval

FormerCollegeDJ — Fri, 02 Feb 2024 22:45:50 GMT

After "gardening" since early May 2023, I applied for and was automatically approved for a new credit card a short time ago (on February 2nd), the Bank of America Customized Cash Rewards Visa. More details:

*Card: Bank of America Customized Cash Rewards Visa

*Credit Limit: $24,000

*APR: 0% for first 15 months, 18.24% minimum after that

I've had interest in this card for probably about 12-18 months; I had/have particular interest in the 3% cash back for online purchases and like its broader interpretation of "online purchases" relative to the Amex Blue Cash Everyday card. The card also allows me to rejoin the Bank of America "family"; my AAA and Amtrak co-branded cards were both previously issued by BOA but their issuers changed to Comenity and FNBO respectively in October 2022. (I also like having a relationship of some sort with every major bank; BOA was really the only notable omission in that regard over the last year, excluding non-"Big Four" but very large regional banks like PNC, Truist, and TD Bank.) However, I wanted to get a couple of other cards first (U.S. Bank Cash+ Visa and the S&T Bank variant of the Elan Financial Services Max Cash Preferred) and then garden for a little while (like to restrict my applications to about one every 6 months/two every 12 months and to be under 5 cards/24 months in case Chase introduces something good). All of those "requirements" were met, so it was time to get out of the garden.

I'm running out of cards that I want to get; unlike many people playing the credit card rewards game I take the long view with applications - I only want cards that fit in my regular/semi-regular spend - and generally only apply for cards where I can say "yes" to that statement, though I obviously also like receiving the sign-up bonuses. If I apply for another card in the near future (probably August 2024 at the earliest), my most likely target is the Wells Fargo Bilt Mastercard. I also have some interest in the Truist Enjoy Travel Visa (due to that card's combination of no annual fee and $85 credit every four years for TSA PreCheck or Global Entry membership).

Re: Bank of America Customized Cash Rewards Visa approval

Blender — Fri, 02 Feb 2024 16:07:19 GMT

Congrats on yourBank of America Customized Cash Rewards Visa approval!

Re: Bank of America Customized Cash Rewards Visa approval

CorpCrMgr1 — Fri, 02 Feb 2024 16:11:56 GMT

Congratulations on your new CC and on the SCL!!

Re: Bank of America Customized Cash Rewards Visa approval

youngandcreditwrthy — Fri, 02 Feb 2024 17:34:15 GMT

congrats.. do you have any other datapoints like maybe score? util? income? which CRAs were pulled?

anything to help those considering applying for the card.

@FormerCollegeDJ

Re: Bank of America Customized Cash Rewards Visa approval

BigBS — Fri, 02 Feb 2024 18:21:53 GMT

Congrats on the approval!

Re: Bank of America Customized Cash Rewards Visa approval

FormerCollegeDJ — Fri, 02 Feb 2024 22:43:23 GMT

@youngandcreditwrthy wrote:
congrats.. do you have any other datapoints like maybe score? util? income? which CRAs were pulled?

anything to help those considering applying for the card.

@FormerCollegeDJ

*Score: >800 (not sure about the exact score)

*Utilization: no more than 2% across all cards

*Income: a little less than $150K

*Credit history: 29+ years

Not sure which credit reporting agencies were pulled.

Re: Bank of America Customized Cash Rewards Visa approval

KingRue8500 — Sat, 03 Feb 2024 10:43:08 GMT

Congrats on your BOA Customized Cash Rewards approval

Re: Bank of America Customized Cash Rewards Visa approval

NoMoreDebt — Sat, 03 Feb 2024 18:29:36 GMT

Congrats on your approval

Re: Bank of America Customized Cash Rewards Visa approval

Zoostation1 — Sat, 03 Feb 2024 22:11:31 GMT

Congrats on the approval!

Re: Bank of America Customized Cash Rewards Visa approval

CreditAggie — Tue, 20 Feb 2024 21:42:01 GMT

Congratulations on your BofA CCR approval!