Credit Karma is irrelevant for scores. They can be much higher or much lower than your FICO scores. Get the Experian app and go to credit reports and tap on Equifax or TransUnion and it will offer you a free 7-day trial of CreditWorks Premium ($19.95 a month after) which will pull your scores and reports from all three bureaus. Updating with your FICO scores will help us help you.
To not get charged, just change the membership to basic and you’ll get free Experian monitoring and a free monthly Experian update going forwards.
New accounts and inquiries can definitely hurt your chances of getting a card. Also, never go by Credit Karma or any other credit monitoring service card recommendations, they’re advertising, nothing else.
I’ve found CK’s Approval Odds to be quite innacurate. Also, as for the card, I have apped for that THREE times with no luck. BofA hates me lol
BoA is a relationship bank. If you don’t have an existing relationship with them, it can be hard to get an approval.
Their best card, the Premium Rewards, they reserve the best rewards for their customers that have $20K-$100K+ in accounts with them to give you an idea.