topic Re: Alaska Airlines Signature! Do I have a shot? in Credit Card Applications

Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 02:00:37 GMT

Hello All,

I am very much interested in applying for the BoA Alaska Signature but not sure if I have a shot. I gather they pull Experian. I’m in the middle of rebuilding now that I finally have some good income.

I never had a BoA account of any type.

2 paid baddies: 1st 6.5 yrs 2nd 5.5 yrs old

1 late car payment 14 months ago

1 late CC payment 2 yrs ago

AA credit varies but 1yr 2months In exp

Inquiries: EQ 10. TR 12. EXP 9
Two in each are from to car loans

Auto #1 43k @ 3.25% Opened 8/17
Auto # 2 33k @ 3.25 Opened 2/18
Both through PenFed

Fico: EQ 702 TR 708. EXP. 682

Utilization: 0% one card reporting $25
Income: 255K

Beside the Wells, most all credit cards opened since OCT 2017

Amex Platinum Opened 10/17
Amex PRG. Opened 11/17
Amex SPG $1000 Opened 1/18
Amex Aspire $9300. Opened 1/2018
Care Credit $6000. Opened 2/18
Citi DC $2000. Opened 11/17
PenFed PCR $2500 opened 12/17
BBVA clear points $4000. Opened 1/18
Wells Fargo $2700. Opened 4/2015

Merrick dbl your limit $700 going to $1400 opened 11/17

Cap 1 Qk1 : $500. Lol I was in the bad bucket when I started opened 9/17

What do you guys think.

Re: Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 01:34:20 GMT

Here's a data point for you, not sure what to make of it. I also wanted this card, so cold-apped for it about the 13th. The next day a flyer arrived with a response code, but on the day I apped I didn't have/use it. Last CC was a bit over 8 months ago. Only inq since was a cell phone contract.

Score pulled was EXP, 765 that day, and 778 today. No anything bad on my reports. Hard pull, resulting denial. I did not recon. I also have a 6 figure income, and my utilization was a bit high at that time at about 11% that day, but I had paid about 30K the previous month, so I figured they could do the math and see it really wasn't that much owed.

At any rate, the letter cited two reasons: 1. Number of Inquiries, and 2. Something about no prior business relationship. That was all that was cited, along with the FICO score. I have about 7-8 inquiries total for the last two years, so maybe they didn't like that. I am really thankful they didn't give me that crappy non-signature version of the card. Hope this helps somewhat.

Re: Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 02:09:46 GMT

I am going to be applying for the Spirit Airlines MasterCard pretty soon. Based on what I'm reading here, since I have at least 7 hard inquiry since July and will be getting two more before I apply for this card in June or July, perhaps I should open a checking account with Bank of America now to help establish a relationship and increase my odds of approval in lieu of getting denied because of all of the hard inquiries

Re: Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 02:21:39 GMT

I was thinking 💭 of opening an account as well as they seen inquiry sensitive and like banking relationships apparently. But I already opened a PenFed, And chase account in order to try to get in with chase. Besides my primary bank. I apparently owed them some money from an old account I had years back. No problems openingan account or using my coupon for $300 to open a checking. I had to pay 💰 $225 but with the coupon, it’s like they paid themselves and still gave me $75.

Re: Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 02:35:27 GMT

I get mail offers from them about every week, getting quite annoying honestly. I've thought about it, but felt the AF wasn't offset enough by the perks. It, IMO, is a rather limited rewards system compared to others. The only reason i considered it was that I primarily fly on Alaska, so i thought it would be useful. I just prefer a card that has a more universal reward setup to use anywhere, Instead of just one specific Airline.

Re: Alaska Airlines Signature! Do I have a shot?

Anonymous — Sat, 24 Mar 2018 02:48:00 GMT

I think it’s partners with Cathay airlines virgin America and now some japan airlines. The companion pass is what I’m in it for. I’m in the west coast sfo area so their presence is pretty good. Not to mention emerits airline.