topic Re: BofA CCR approval in Credit Card Approvals

BofA CCR approval

pip3man — Fri, 13 Jun 2025 21:23:35 GMT

Applied for the Customized Cash Rewards for the elevated rewards offer combined with my Platinum status in Preferred Rewards. Application went pending due to frozen EX file. Called in to UW and was told to unfreeze either EX or TU. Unthawed EX and was instantly declined on the call. Got counteroffered the $99/$500 partially secured version of the card which I gladly accepted. This would be my lowest limit card but has the potential to be a fast grower. Stats listed below:

5yr & 3months post BK7

685 EX Fico 8

18% overall utilization

AAoA 5yrs

11/24 new accounts

10 hard inquiries (all 10 within the last 12 months)

No collections/late payments

Re: BofA CCR approval

Vinjints — Fri, 13 Jun 2025 22:15:25 GMT

Congrats on the approval. Seems like you are very aggressively adding these accounts. What's your short team strategy?

Re: BofA CCR approval

Jeffster1 — Fri, 13 Jun 2025 23:19:55 GMT

My BofA CCR remains my favorite card, especially with the Platinum Honors bonus. It remains my go-to card.

Re: BofA CCR approval

pip3man — Fri, 13 Jun 2025 23:59:10 GMT

@Vinjints wrote:
Congrats on the approval. Seems like you are very aggressively adding these accounts. What's your short team strategy?

You're right, I am. My goal is to reestablish or establish my relationship with prime lenders now to the extent my current credit standing permits and let things grow uniformly over time. With BofA, I had a slight advantage... so going into it, I knew I had a very good shot getting an approval of some sort. Plus I didn't apply via the public link so there's that part too.

Re: BofA CCR approval

Copenix — Sat, 14 Jun 2025 08:03:51 GMT

Congrats on your approval. CCR is a great card.