https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-is-A-Stranger-In-My-Bed/m-p/6490766#M305876 <P>I double-dipped on one TU inquiry (within 30 days) with BoA when I applied for/received my Business BAUCR MC and asked to get a Personal BAUCR MC weeks later over the phone. They told me to check status within two hours and I get a 'approval pending employment verification' ping.</P><P>&nbsp;</P><P>I've been with BoA for years and already had a $10K personal Visa PP with them along with both biz &amp; pers checking and savings. Then they want to pull the 'show me your pay stubs and fill out this SSA-89 form' card?</P><P>&nbsp;</P><P>The nerve!&nbsp;<img id="smileymad" class="emoticon emoticon-smileymad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-mad.gif" alt="Smiley Mad" title="Smiley Mad" /></P> Tue, 15 Feb 2022 05:23:36 GMT LP007 2022-02-15T05:23:36Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-is-A-Stranger-In-My-Bed/m-p/6490766#M305876 <P>I double-dipped on one TU inquiry (within 30 days) with BoA when I applied for/received my Business BAUCR MC and asked to get a Personal BAUCR MC weeks later over the phone. They told me to check status within two hours and I get a 'approval pending employment verification' ping.</P><P>&nbsp;</P><P>I've been with BoA for years and already had a $10K personal Visa PP with them along with both biz &amp; pers checking and savings. Then they want to pull the 'show me your pay stubs and fill out this SSA-89 form' card?</P><P>&nbsp;</P><P>The nerve!&nbsp;<img id="smileymad" class="emoticon emoticon-smileymad" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-mad.gif" alt="Smiley Mad" title="Smiley Mad" /></P> Tue, 15 Feb 2022 05:23:36 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-is-A-Stranger-In-My-Bed/m-p/6490766#M305876 LP007 2022-02-15T05:23:36Z https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-is-A-Stranger-In-My-Bed/m-p/6490776#M305878 <P>Times have changed OP. &nbsp;Given what's transpired more so in the past 2 years, lenders have tweaked some UW requirements depending upon what triggers their internal algorithms. This is more of an internal compliance policy as AI influences most UW decisions these days.&nbsp;<BR /><BR /></P><P>Anyone can have a long tenure with any given financial institution, but they're still required to periodically review and verify specific items from time to time.</P> Tue, 15 Feb 2022 05:50:02 GMT https://ficoforums.myfico.com/t5/Credit-Card-Applications/BoA-is-A-Stranger-In-My-Bed/m-p/6490776#M305878 FinStar 2022-02-15T05:50:02Z