topic Re: How risk-tolerant is Bank of America for Atmos Ascent? in Credit Card Applications

How risk-tolerant is Bank of America for Atmos Ascent?

E36 — Wed, 18 Feb 2026 20:51:50 GMT

Hi everyone, I would like to apply from Atmos Ascent (from Bank of America).

It's $95 AF, and the saving alone on luggage for my wife and me would save me money. (We fly Hawaiian Airlines 1-2 year)

How risk-tolerant is Bank of America for Atmos Ascent? Would I quailfy?

My Current Fico Scores are:

Experian: 692
Equifax: 712
Transunion: 693

AAoA - 6 Years 7 mo

AoOA - 18 years 9 mo

Total Credit Limit (Personal) - $29.8K
Utilization - 4% (I pay statement balance full every month)
I started rebuilding in July 2023.
I burned Chase, Citi, CapitalOne, and Synchrony.

I did NOT burn Bank of America. I had a BoFA card 2013-2017 which I paid on time and hardly used. BofA kept limited that account to $500 for some reason. I closed it in 2017 with $0 Balance.

Payment History
Most Recent Late 2 Years 6 Months

Closed Accounts
DOFD August-2022 (Fall off date 2029)
5 Charged Off Accounts (Also shows as 5 late 30+ Days, 5 late 60+ Days) (Fall off date 2029-2030)
$0 Balance. Shows Paid. Settled.
0 Collections, 0 Deregotory.

Hard Inquiries
2/6, 4/12, 7/24

Newest Accounts

Dec 2025 - AAA Daily Advantage $4400
October 2025 - Apple Card $3000
August 2025 - Amex BCE $100
July 2025 - CapitalOne Quicksilver $6000

If BofA is risk-adverse, how risk-tolerant is Bank of Hawaii or Barclays?
If I'm denied by BofA, I may apply with Barclays through Bank of Hawaii for a Hawaiian Airlines card. Then I can convert to Ascent later on after I use my SUB. The card is not available on the main page, but the application link is still active.

Is BoH or Barclays more Risk Tolerant than BofA?

Thoughts?

Re: How risk-tolerant is Bank of America for Atmos Ascent?

RobertS2 — Wed, 18 Feb 2026 22:34:50 GMT

I'd guess Barclays would be a little more lenient, based on my experience. It's probably a toss up leaning in your favor with both though, to be honest.

Re: How risk-tolerant is Bank of America for Atmos Ascent?

E36 — Thu, 19 Feb 2026 00:13:11 GMT

Just applied. Got approved for $6k.

Re: How risk-tolerant is Bank of America for Atmos Ascent?

FicoMike0 — Thu, 19 Feb 2026 00:35:46 GMT

Congratulations!

was it boa or barclay?

Re: How risk-tolerant is Bank of America for Atmos Ascent?

E36 — Thu, 19 Feb 2026 01:16:16 GMT

@FicoMike0 wrote:
Congratulations!
was it boa or barclay?

It was Bank of America.

Re: How risk-tolerant is Bank of America for Atmos Ascent?

BankDealer — Mon, 23 Feb 2026 00:46:13 GMT

Congrats on the approval. Awesome card

Re: How risk-tolerant is Bank of America for Atmos Ascent?

Pppoolboy — Thu, 26 Feb 2026 04:25:15 GMT

@E36 wrote:

It's $95 AF, and the saving alone on luggage for my wife and me would save me money. (We fly Hawaiian Airlines 1-2 year)

I can't answer your question but I would like to take the time to commend you for saying "for my wife and me" rather than "for my wife and I" which, in this case, is the correct grammar. Nice work, most people would incorrectly say "for my wife and I" !!!!

Re: How risk-tolerant is Bank of America for Atmos Ascent?

pizzadude — Thu, 26 Feb 2026 16:36:54 GMT

@Pppoolboy wrote:
@E36 wrote:

It's $95 AF, and the saving alone on luggage for my wife and me would save me money. (We fly Hawaiian Airlines 1-2 year)

I can't answer your question but I would like to take the time to commend you for saying "for my wife and me" rather than "for my wife and I" which, in this case, is the correct grammar. Nice work, most people would incorrectly say "for my wife and I" !!!!

They're spot on, with their grammer there.

Re: How risk-tolerant is Bank of America for Atmos Ascent?

youngandcreditwrthy — Fri, 27 Feb 2026 15:58:30 GMT

CONGRATS!! And disregard below lol. bad habit of not reading comments before I comment lol. Working on it

~~Your chances are better with Barclays imo.~~

BOA doesnt really do recons any more and I'm scared the 2/6 inquiries coupled with the lower score would scare them. I have never been approved for a BOA card with a less than 720+ score. And they don't really have a prequal. BOA does very much value relationships. I deposit 10K+ a month for several years (3+) into my BOA primary checking but they cite "lack of investment relationship" because their terrible customer service in branch prevents me from moving my investment accounts with confidence to them. (so they deny my CLI requests on current boa credit cards);

~~At least with Barclay's Im pretty sure you can 1) recon - I did it before 2) do a pre approval soft pull (last I checked)~~

~~Good luck! @E36~~

~~Last person I know who got approved for Atmos c~~ar~~d had a 765 FICO and 150k+ income and only got $5k.~~

Re: How risk-tolerant is Bank of America for Atmos Ascent?

E36 — Fri, 27 Feb 2026 16:35:48 GMT

@youngandcreditwrthy wrote:
CONGRATS!! And disregard below lol. bad habit of not reading comments before I comment lol. Working on it

~~Your chances are better with Barclays imo.~~

BOA doesnt really do recons any more and I'm scared the 2/6 inquiries coupled with the lower score would scare them. I have never been approved for a BOA card with a less than 720+ score. And they don't really have a prequal. BOA does very much value relationships. I deposit 10K+ a month for several years (3+) into my BOA primary checking but they cite "lack of investment relationship" because their terrible customer service in branch prevents me from moving my investment accounts with confidence to them. (so they deny my CLI requests on current boa credit cards);

~~At least with Barclay's Im pretty sure you can 1) recon - I did it before 2) do a pre approval soft pull (last I checked)~~

~~Good luck! @E36~~

~~Last person I know who got approved for Atmos c~~ar~~d had a 765 FICO and 150k+ income and only got $5k.~~

Thanks. It's a blessing.

I don't know why:

Was it because I fly Hawaiian Airlines a lot? (Do they help with the underwriting?)
Are different channels more generous? (I went therough the website on the handout with the code of the flight I took)
I had a good payment history and good standing with Bank of America in the past? (As you said, they don't care about relationships)
I also had a hard inquiry in April 3, 2025. I don't remember what I applied for. But it was one of those fake prequals that BofA does which is more like an ad than an actual prequal. (Did that put me on BofA Radar)?

I'm glad I got this card. It was on my interest list. Even though other cards interest me, I've locked my reports and am going to start gardening (I don't spend a lot, so these are a lot of cards to spend with).

Re: How risk-tolerant is Bank of America for Atmos Ascent?

zerofire — Sun, 08 Mar 2026 08:54:45 GMT

Congratulations on your new found liquidity!

Out of the three I would believe Bank of America would be the most lenient. Bank of Hawaii likes to stay on the islands and hands the cards off to Barclay's. Barclay's however is a British banker so they are rather uptight. If you burn Barclay's they are the only known lender to truly have lifetime bans. Bank of America values relationships. They would probably notice the fact that the world was crumbling for you and you did not pull them in. Also they probably have input from Alaska on which applications might have more value than others.

Re: How risk-tolerant is Bank of America for Atmos Ascent?

Deedee_ — Sun, 19 Apr 2026 18:30:36 GMT

Hi E36,

Congrats on your approval. I am going to lock this thread now, but you can continue the discussion in the Approval board.