BOA hates me

[Anonymous]

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@Sbrooks1 wrote:
I've never had a BOA account yet they deny me every time even now with scores 754-790 , no lates or baddies in any report. Am I stuck with cap one and Discover

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You've got to give it some time.  You've gotten a lot of new accounts in the last year and a half and BoA might think that you're credit seeking.  I gave it a year, cut back considerably on apping and was approved this time last year for the Cash Rewards card; if fact BoA was my last approval. Come join us in the garden and let your profile age. 

[Sbrooks1]

You are so right ,! Gardening for now! Thanks Kaykay!

[Anonymous]

It's okay. BOA is inquiry-sensitive like Barclays. Let your new accounts age. They hate me too. Sent me a prequalified offer with a fixed APR only to be denied lol.

[Anonymous]

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@Anonymous wrote:

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@Sbrooks1 wrote:
I've never had a BOA account yet they deny me every time even now with scores 754-790 , no lates or baddies in any report. Am I stuck with cap one and Discover

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You've got to give it some time.  You've gotten a lot of new accounts in the last year and a half and BoA might think that you're credit seeking.  I gave it a year, cut back considerably on apping and was approved this time last year for the Cash Rewards card; if fact BoA was my last approval. Come join us in the garden and let your profile age. 

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+1 Good advice.

[restdani]

OP, i believe BoA is one of those banks that likes "precious history" to lend credit to individuals. i had my checking account with them for about 6 years and have their cash back card and they'd offer their other (not very rewarding credit cards) every so often. once i switched banks for my checking, they stopped sending our offers. sorry for the denials :-/