BOA hates me

[Sbrooks1]

My fifth app for BoA and denied again/ scores are all 750 plus/uti is low overall 4%, not sure why they dont like me... but I will not be apping again ever!!!!! 

[AverageJoesCredit]

I've got 4 straight hps for Boa with nothing but egg to show on my face.

My standard Boa saying is , in regards to me, " No money No Honey"

[Anonymous]

Glad it's not just me. For a major issuer, they really don't like inquiries and new accounts. And also don't like if you don't hold assets with them already. I apped for 8 cards last week, and the only one I was denied for, even after recon, was the BoA Spirit Air MasterCard. Gonna see about getting my mom to sign up and hook me up as an authorized user lolol, then app for my own next year.

[Anonymous]

While I'm assuming you don't mean it literally, it's important to understand that lenders don't "hate" or "love" anyone.  It's not about the person, but their profile.  Perhaps there's something in your profile that they don't care for.  It's not a knock against your person.

[pizza1]

Did you ever at one point a long time ago default on a BOFA checking? Or have an over draft? What about defaulting on a CC that was theirs or backed by them, or they took over?

Whats the denial reasons??

[Sbrooks1]

No, of course, they don't know me so can not hate me!!! But, definitely , something in my profile , which is clean, screams to them!!!

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@Anonymous wrote:

While I'm assuming you don't mean it literally, it's important to understand that lenders don't "hate" or "love" anyone.  It's not about the person, but their profile.  Perhaps there's something in your profile that they don't care for.  It's not a knock against your person.

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[Sbrooks1]

No, I have never had an account with them. They dont like me,  and maybe I dont blame them

[Anonymous]

Dramatic much? What are the denial reasons on the letters they have dispatched?

[Anonymous]

I feel the same way and I have been banking with them for years. Granted I already have 3 cards with them but every time I ask for a CLI I get denied which makes no sense considering my scores were a lot lower when I actually got those cards lol.

[K-in-Boston]

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@Anonymous wrote:
Glad it's not just me. For a major issuer, they really don't like inquiries and new accounts. And also don't like if you don't hold assets with them already. I apped for 8 cards last week, and the only one I was denied for, even after recon, was the BoA Spirit Air MasterCard. Gonna see about getting my mom to sign up and hook me up as an authorized user lolol, then app for my own next year.

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While my primary checking is with BoA, my experience over the past 2 years (I had an inherited $5100 MBNA card and DW had an inherited $22,000 MBNA card; I now have 3 BoA cards that total $99,900 and her card is at $70,000) has been that they don't care about inquiries (actually I'm pretty sure more than half of my TU INQs the past 2 years are BoA), they don't care about new accounts (I've been LOL/24 for a while) and they don't seem to really mind if you don't have significant deposits at BoA, Merrill Lynch and Merrill Edge.  They do seem to be somewhat sensitive to high aggregate utilization and certainly prefer higher incomes, though.

My guess would have been a bad relationship with a previous affiliate or acquired/merged lender.  OP, you state that's not the case; have you tried speaking with one of their analysts for a reconsideration?  I've spoken to BoA analysts on a number of occasions (although not for a recon) and it has always been a pleasant experience.