A week ago, I went to my local branch to open a business checking account for the $300 SUB. At that time, I also had an offer for a $500 SUB on this card, but I decided to pass. Yesterday, I figured I'd just take the offer but when I went to the branch, I was told the $500 SUB offer was no longer available, but there was a $300 offer. I said no thanks and walked out.
Then, thanks to DoC, I found a direct link to the $500 SUB and applied. Got an instant approval for $20k at 15.74% APR.
Business relationship with BofA is only a week old from opening the checking account, but I've had a personal checking for a few years and 2 personal CCs (PR and AS). I'm not sure if it matters, but I'm Platinum in the personal Preferred Rewards program just from deposits into the checking account. I don't keep the money there long, but that helped me qualify unexpectedly.
Exposure with BofA is now $88.9k between 2 personal CC's plus $20k on the new business card. They didn't take away any CL from my personal CC's to open this card, so I'm at $108.9k total. When I saw the SL, I was expecting to see a reduction on the personal CCs, but luckily, it didn't happen. I suppose the usual $99.9k total limit on CCs applies to personal cards or business cards separately. I'm not sure.
They pulled TU at 759 with 8 INQ's. I'm finally down to 5/24 after a long time. I learned my lesson and waited an additional month after accounts reached the 2 year mark. Under my own calculations, I was at 5/24 last month, but Barclays denied me for the 4th time saying I'd opened 10 cards in the last 24 months. The count resets in month 25 for those who may not know.
