BofA- Cash Rewards App (again)

[Anonymous]

It was the BoA The University of Michigan alumni card. Me ex has her undergrad degree from UM and I have a Grad Certificate from there. Unfortunately, I've been blacklisted from BoA because of a disputed charge it to them a long time to acknowledge and remove. Though several months ago I received USPS bank account offer from BoA. Must confess they are on my short list of cards I want. Luckily, I've read on the forums that BoA doesn't offer legit pre-approvals. 

[coldfusion]

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@Anonymous wrote:

Luckily, I've read on the forums that BoA doesn't offer legit pre-approvals. 

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They do, but they are extended online through the Activity Center to targeted existing clients.

[Anonymous]

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@coldfusion wrote:

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@Anonymous wrote:

Luckily, I've read on the forums that BoA doesn't offer legit pre-approvals. 

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They do, but they are extended online through the Activity Center to targeted existing clients.

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Thank you for the insight. I no longer never have a relationship with them. Now utilize the UMCU for my status card! LOL!! 

[M_Smart007]

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@coldfusion wrote:

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@Anonymous wrote:

Luckily, I've read on the forums that BoA doesn't offer legit pre-approvals. 

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They do, but they are extended online through the Activity Center to targeted existing clients.

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+1

[Anonymous]

Hi everyone,

So I just applied (finally) for the card. I was told I would receive a decision in a few days. Not sure what the hold up is. I know a lot of financial institutions are being a little stricter, now. 

[coldfusion]

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@Anonymous wrote:

Hi everyone,

So I just applied (finally) for the card. I was told I would receive a decision in a few days. Not sure what the hold up is. I know a lot of financial institutions are being a little stricter, now. 

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That in and of itself is neither unusual nor is it a real cause for concern.    Their underwriters work East Coast business hours M-F and since you currently do no other business with them other than being listed as an AU on someone else's card you could have been tagged for verification.

If it's a manual review they usually complete in 2 but it can be as long as 5 business days to make a decision, if it's verification it can unfortunately take them even longer to call you.  If they call to validate a successful validation typically means immediate approval and they can give you your SL.

[M_Smart007]

Good Luck on your application.

[Anonymous]

Thanks! I'll definitely report how this goes. This is slightly different because I'm already an AU on the account. Since BofA allows co-borrowers I've applied to become a co-borrower on this account that is 38 years old and has a $24k limit /zero balance. We will see ☺️

[AllZero]

Good luck on your application! May the odds be ever in your favor.

[Anonymous]

So, i was approved as a co-borrower. Im really interested in seeing what impact this will have on my credit since this card is 38 years old. I'm hoping it'll age my history. Will report back on a different thread.