topic Re: How is BOA Recon? in Credit Card Applications

How is BOA Recon?

Interestedincredit — Tue, 05 May 2015 03:13:42 GMT

Good Evening,

I applied for a Bank of American Travel Rewards after being "prequalified" online. ... I was denied.

On Saturday I recently applied for a CSP, and Chase Hyatt- Approved for both of them with a 5,000 CL on both Cards.

My utilization is less than 5%.

My current credit cards that are reporting are:

NASA FCU: 10k/2200 (since paid off)

NFCU NavCheck 15k/1400

Navy Federal Cash Rewards 5k/0

Navy Federal Flagship 5k/0

Citi Forward 2k/0

Discover IT 850/0

Lowes Consumer Credit Card 17k/0

Walmart Credit Card 10k/0

Amex Platinum NPSL

Navy Federal Personal Loan: Original Balance 4580/1840 owed (was opened in January)

Chase Freedom 1200/0

Capital One QS 1500/0

Barclays AA Advantage 3k/0

Not reported on Credit Yet:

CSP 5k/0

Chase Hyatt 5k/0

I would venture to guess I was denied due to too many inquiries:

Experian:19

Equifax: 14

Transunion: 23

Anyone want to show me the garden? lol

I am not sure what report was pulled. Does anyone think I have a shot for approval.

AAOA is 1 year

no baddies

no derogatory

My scored on all three reports are around 720-760 I think transunion is 760

Thanks so much guys!

Re: How is BOA Recon?

Santi78342 — Tue, 05 May 2015 03:22:56 GMT

@Interestedincredit wrote:
Good Evening,

I applied for a Bank of American Travel Rewards after being "prequalified" online. ... I was denied.

On Saturday I recently applied for a CSP, and Chase Hyatt- Approved for both of them with a 5,000 CL on both Cards.

My utilization is less than 5%.

My current credit cards that are reporting are:

NASA FCU: 10k/2200 (since paid off)
NFCU NavCheck 15k/1400
Navy Federal Cash Rewards 5k/0
Navy Federal Flagship 5k/0
Citi Forward 2k/0
Discover IT 850/0
Lowes Consumer Credit Card 17k/0
Walmart Credit Card 10k/0
Amex Platinum NPSL
Navy Federal Personal Loan: Original Balance 4580/1840 owed (was opened in January)
Chase Freedom 1200/0
Capital One QS 1500/0
Barclays AA Advantage 3k/0

Not reported on Credit Yet:
CSP 5k/0
Chase Hyatt 5k/0

I would venture to guess I was denied due to too many inquiries:

Experian:19
Equifax: 14
Transunion: 23

Anyone want to show me the garden? lol

I am not sure what report was pulled. Does anyone think I have a shot for approval.

AAOA is 1 year
no baddies
no derogatory
My scored on all three reports are around 720-760 I think transunion is 760

Thanks so much guys!

They are up near Barclays with recons...meaning GREAT! Definitely call the Sr Credit Analyst number found in the Backdoor Numbers thread!

Re: How is BOA Recon?

Anonymous — Tue, 05 May 2015 03:39:04 GMT

They seem to be good now evidenced by all the approvals and successful recons being reported. Ring them and let us know results...

Re: How is BOA Recon?

Interestedincredit — Tue, 05 May 2015 03:39:28 GMT

Will do, do you think my inquires are too much for an approval?

Re: How is BOA Recon?

Santi78342 — Tue, 05 May 2015 03:41:29 GMT

You do have a lot of INQs, but many people have had more and been approved I'm sure

Re: How is BOA Recon?

Interestedincredit — Tue, 05 May 2015 03:45:20 GMT

I hope I get approved lol, how should I explain all the inquires =

Re: How is BOA Recon?

Santi78342 — Tue, 05 May 2015 03:57:49 GMT

I like to use the "I've been looking to maximize rewards opportunities" line

Re: How is BOA Recon?

Anonymous — Tue, 05 May 2015 03:59:03 GMT

@Interestedincredit wrote:
I hope I get approved lol, how should I explain all the inquires =

Which bureau did they pull and how many inquiries did you rack up in the last 6 months on the said bureau.

Re: How is BOA Recon?

Interestedincredit — Tue, 05 May 2015 04:21:03 GMT

im not sure wha report- but less than 6

Re: How is BOA Recon?

Anonymous — Tue, 05 May 2015 06:31:10 GMT

Recon and shoot high, they'll approve you for something. Awesome in my experience

Re: How is BOA Recon?

joedtx — Tue, 05 May 2015 06:36:44 GMT

Don't worry about the Recon with BOA as others have pointed out just like Barclays they will listen. Give them a shot you've already taken the HP, make the most of it.