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BOA just doesn't like me, UPDATE, Recon, they don't like me. :(

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907grown
Established Contributor
‎01-19-2015 07:58 PM
‎01-19-2015 07:58 PM

BOA just doesn't like me, UPDATE, Recon, they don't like me. :(

Chase, Discover, Barclays, and more recently AMEX likes me..... Citi gave me a Home Depot card although I don't know if they'd give me a regular citi card,don't want or need one, but BOA is a hold out, denied me 4 months ago, and today, denied for AK Airlines card, will recon tomorrow, but not super optimistic......

1/20 Recon denied!!

will call again!


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 1 of 35
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34 REPLIES 34
sunkissed
Established Contributor
‎01-19-2015 08:01 PM
‎01-19-2015 08:01 PM

Re: BOA just doesn't like me

They hate me too (see signature).  I've moved on.

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 2 of 35
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Lyythine
Established Contributor
‎01-19-2015 08:02 PM
‎01-19-2015 08:02 PM

Re: BOA just doesn't like me

You can have mine! Smiley Wink  I find them quite intolerable, therefore, my Americard sees the light of day once a year when I get my air ducts cleaned.  Seriously, that is the one purchase I put on the card annually... IMHO, you're not missing much.

Message 3 of 35
907grown
Established Contributor
‎01-19-2015 08:06 PM
‎01-19-2015 08:06 PM

Re: BOA just doesn't like me

I hear more bad then good about them, but I want that AK Airlines card, the companion tickets great and when you live in AK as I do, it costs a fortune plus your first born just to get to Seattle!!! 


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 4 of 35
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sunkissed
Established Contributor
‎01-19-2015 08:09 PM
‎01-19-2015 08:09 PM

Re: BOA just doesn't like me

There are a bunch of BOA fans here.  Hopefully they can share their secret to sucess with you.

NFCU Flagship $32K | NFCU Cashrewards $42K | Discover IT $39K | SECU Visa $20K | Chase SW $24k | CSR $15K | Chase Bonvoy $11.5K | Chase Freedom $11.5K | Chase Amazon Visa 8.5K | AMEX Bonvoy $18.1K | AMEX Hilton Surpass $15K | AMEX Hilton Aspire $24.4K | AMEX Gold | Aviator Red $16K | Uber Visa 10k | Citi TY Premier $24.6K | BoA Premium Rewards 35k | BoA Cash Rewards Visa $31.5k | BoA Cash Rewards MC $23k | US Bank Cash+ $10k | USAA AMEX $6K | Cap1QS $11K | BJs MC $27.6K | Walmart MC $5.1K | Loft MC $25,000 | Macy’s Store/Amex $20K/$1K | BR Visa $10K | JCP $1K | VS $3.2K | Home Depot $5K | Lowes $8.5K | Target $14.5k
Message 5 of 35
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NRB525
Super Contributor
‎01-19-2015 08:10 PM
‎01-19-2015 08:10 PM

Re: BOA just doesn't like me

I've had good relations with BofA over the years.

What were the denial items on the Reasons Letter they sent you?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 6 of 35
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Anonymous
Not applicable
‎01-19-2015 08:12 PM
‎01-19-2015 08:12 PM

Re: BOA just doesn't like me

Don't feel bad. BoA doesn't love me either. They won't even HP me.

Message 7 of 35
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907grown
Established Contributor
‎01-19-2015 08:19 PM
‎01-19-2015 08:19 PM

Re: BOA just doesn't like me

@NRB525 wrote:

I've had good relations with BofA over the years.

What were the denial items on the Reasons Letter they sent you?

Just got the 7-10 msg when I applied today, so I am going to recon tomorrow. I am not good at being rejected so I hate doing recon calls although I have never been rejected on a recon call. 

It can't hurt to recon I guess.


Starting Score: 460
Current Score: EQ 764, TU 764, EX 740,
BOA AK AIR 30,000, Discover IT 6300, Freedom 25,300, Barclays RMC 15,660, Ring 15,000, BCE 15,000, QS17,000,AARP 15,000, ChaseFU 8,000,AND A LOT MORE!
Message 8 of 35
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lukepwnsall
Regular Contributor
‎01-19-2015 08:59 PM
‎01-19-2015 08:59 PM

Re: BOA just doesn't like me

Im supprised all the Bofa Hate, they were really nice to me. But my only advice, if they dont want to increase ur CL on ur card apply for a new one and recon the decision no matter what and ask the rep to match what bank X has as a CL for you. Thats what they did for me. They matched 7.5k to what I had total with chase.

TU 786 (10/23) EQ 794 (10/23) EX 773 (10/23)
Message 9 of 35
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Anonymous
Not applicable
‎01-19-2015 09:06 PM
‎01-19-2015 09:06 PM

Re: BOA just doesn't like me

@lukepwnsall wrote:

Im supprised all the Bofa Hate, they were really nice to me. But my only advice, if they dont want to increase ur CL on ur card apply for a new one and recon the decision no matter what and ask the rep to match what bank X has as a CL for you. Thats what they did for me. They matched 7.5k to what I had total with chase.

I don't hate them. They just consider me "Persona non grata."

Message 10 of 35
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