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BOFA Application Result

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Regular Contributor

BOFA Application Result

Can anyone explain me that BOFA denied me even I have several cards even I've Disco card with $5K.

 

What is the real reason or they just being picky?

 

bofa.jpg

Message 1 of 31
30 REPLIES 30
Super Contributor

Re: BOFA Application Result

Number 1 reason on the list is the most impactful to them — so in this case, past delinquency. 

 

BofA is one of the last cards you’re going to get at the end of your rebuild, not this early into it. 



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 2 of 31
Valued Contributor

Re: BOFA Application Result

2/3/4 mean you haven't had enough experience with your current accounts.  You're too new/thin for them right now.

500K+ TCL / 800+ FCOs
Message 3 of 31
Established Contributor

Re: BOFA Application Result

what kind of "delinquency" you have on your profile???

 





Amex Platinum NSPL || Amex Everyday $10K || Amex BonVoy $16K || Aviator AA $7.6K || Citi AA $7.2K || Citi Costco $5.5K || NFCU CashReward $26K || Blispay $5K || Discover $10.8K || Paypal Credit $7.6K || VS card $4.1K || Walmart store $8.5K ||
Message 4 of 31
Super Contributor

Re: BOFA Application Result

The first reason - delinquency - is the major reason. The others are smaller considerations made in declining your application. As stated above, BOA is probably not an option anytime soon.

Message 5 of 31
Regular Contributor

Re: BOFA Application Result

lol trust me, my CR has ZERO delinquency. All accounts are paid ontime 100% since.

BOFA sucks anyway.
Message 6 of 31
Valued Contributor

Re: BOFA Application Result


@IrishGuy77 wrote:
lol trust me, my CR has ZERO delinquency. All accounts are paid ontime 100% since.

BOFA sucks anyway.


If Bank of America sucks why did you even bother to apply?





Message 7 of 31
Regular Contributor

Re: BOFA Application Result

I got invitation in the mail so I applied but rejected. I called EX and request inquiry to be removed, approved, will be gone in June .
Message 8 of 31
Super Contributor

Re: BOFA Application Result


@IrishGuy77 wrote:
lol trust me, my CR has ZERO delinquency. All accounts are paid ontime 100% since.

BOFA sucks anyway.

So what is suppressing your scores so much if you don’t have any negative items?



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 9 of 31
Regular Contributor

Re: BOFA Application Result


@Saeren wrote:

@IrishGuy77 wrote:
lol trust me, my CR has ZERO delinquency. All accounts are paid ontime 100% since.

BOFA sucks anyway.

So what is suppressing your scores so much if you don’t have any negative items?


+1

Your DP will help others on this forum. Thanks in advance Smiley Wink









Les murs ont des oreilles .
Message 10 of 31
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