topic Re: BoA Custom Cash Denied in Credit Card Applications

BoA Custom Cash Denied

hoosier64 — Wed, 26 Jun 2024 04:36:30 GMT

I'm two and a half years out from being ready to buy a house. Decided to take a shot at filling out my wallet with a rewards card covering some areas I'm missing since I see this as the last chance for a hard pull before buying a house. I saw a few threads where people got approvals from BoA with a BK still reporting. There are other threads saying BoA isn't BK friendly and that the "pre-approval" page isn't a reliable indicator that you will be approved. Got an immediate rejection after getting recommeded the card from the pre-approval page.

Re: BoA Custom Cash Denied

CreditCuriosity — Wed, 26 Jun 2024 12:10:20 GMT

pre-approval page with bofa is just marketing and suggestions of cards unless a firm apr is given even then nothing is guaranteed. I am guessing it just suggested a card with an apr range. BofA doesn't have a true pre-approval page. Occasionally if you have bank accounts with them they will have offers for you with firm terms.

Re: BoA Custom Cash Denied

MissLiz — Wed, 26 Jun 2024 13:18:19 GMT

Bummer. Sorry about that, @hoosier64 .

Re: BoA Custom Cash Denied

keekers — Wed, 26 Jun 2024 14:32:32 GMT

Better luck next time.

Re: BoA Custom Cash Denied

FicoMike0 — Thu, 27 Jun 2024 01:55:14 GMT

Those b@$tards!

Sorry about that.

Re: BoA Custom Cash Denied

Dancingbear45 — Fri, 28 Jun 2024 04:47:52 GMT

@hoosier64

Sorry to hear about your denial. Sometimes those pre-approval tools are just not reliable. Have you considered calling and trying to recon?

Re: BoA Custom Cash Denied

hoosier64 — Fri, 28 Jun 2024 16:23:36 GMT

Yes, I am going to try to recon when I have time.

Re: BoA Custom Cash Denied

gingerflower — Sat, 29 Jun 2024 18:13:40 GMT

@hoosier64 Sorry for the denial

Re: BoA Custom Cash Denied

hoosier64 — Fri, 05 Jul 2024 17:44:09 GMT

No dice on the recon. The rep said my application could not be reconsidered with a BK reporting.

No worries. I'm back in the garden till I buy a house. By that time, it won't be long before the BK ages off or I might just wait an extra year so it ages off before I apply for a mortgage.

Re: BoA Custom Cash Denied

ScenicRouteTo850 — Sun, 07 Jul 2024 01:20:04 GMT

Sorry to hear about your denial.