Hello Everyone,
I thought I would share my success of finally getting in with Bank of America. I initially opened a Business Checking with Bank of America back in late 2020. I asked for a card back then but it came back denied. I was naturally bumped out.
About 6 months ago, they started bating me with "pre-selected" offers in the portal. I kept ignoring them. Then a couple of months ago, I had an influx of cash and decided to park a little over 50k in my dormant Business Checking account. Well, today, I reapplied using the link in my portal and it was instantly approved!!!! It was only approved for 5k. But I'm happy to be in the door!
I intend to leave the cash in there to qualify for their Platinum Rewards.
If I can do it, anyone can!
Sorry for the delay, work got in the way!
Here are some Personal DP's.
BOA Pulled EX (which is 680) it hasn't moved too much since I usually have high Utilization
Utilization at time of app 40%
Date since last delinquency 5 1/2 Years
AAOA 5 Years
AoOA 12 1/2 Years (I'm in my lower 30's)
I still have 5 late payments reporting prior to Bankruptcy (2016) ( estimated deletion 9/2023)
3 Inquiries on EX including the BOA, 0 TU 0 EQ (according to my 3B Report)
1 of the inquiries was personal and 2 were for business all were approved
Business DP:
25000 LOC with Fundbox (I didn't make a post on Myfico about it)
15000+ CL Capital One Spark Cash
30,000 Dell Business Credit
8000 WEX
8000 Amazon Line of Credit NET 55
5000 NET 30 Lands End
No Hard Limit Net 7 UPS
I used to have a 14000 dollar 30 Day NET with Fleetcor I closed it
NAV:
B DnB
A Experian (Though my actual Experian report that I pay annually for shows a 75)
C EQ (Haven't pulled the report to see what's reporting there, don't really care)
SBSS last I checked was a 159
Edited for added DP's
🌟 Congratulations on your approval BOA! 🍻
Was this PG'd and please share additional data points?
Done 
@titancylinder wrote:Done
Awesome @titancylinder
Thanks so much! It's always helpful....appreciate your update.