BofA Instant Denial???

[Anonymous]

So I applied for BofA Travel Rewards credit card thinking that I had a good shot of approval. At the time, I recently applied for the AMEX ED card and Chase Freedom (about 3 days before) and was instantly approved for those. I tried for the CSP about 1 day after being approved for the Freedom, but received the dreaded 7-10 day message . Really wanting a travel rewards card, since I will be traveling alot next year, I went to apply for the BofA card and was instantly denied. No counteroffer of a secured card or anything and I am wondering why.

My scores are good (all in the mid 700's and I have no bad marks on any of my reports. The average age of my accounts is about 2 years, so maybe that was why I was denied. I read somewhere that they were not inquiry sensitve, however it seems like they are. 

Should I recon? or just wait until I recieve the denial letter? 

[Anonymous]

They usually pull Experian. How does your Experian credit report look? That might tell you what you need to know. I'll leave it to others to answer about recon.

[Anonymous]

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@Anonymous wrote:

They usually pull Experian. How does your Experian credit report look? That might tell you what you need to know. I'll leave it to others to answer about recon.

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When I applied for the AMEX ED, Freedom, and CSP, they each pulled EX and I had 1 prior inquiry from the summer, totaling 4 inquires at the time that I applied. I was thinking that may have been the reason. Too many inquires in a short amount of time. 

[ojefferyo]

BofA isn't really sensitive to inquires, I had a bunch when I applied for the BBR card and they gave me a SL of $15k

[Anonymous]

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@Anonymous wrote:
Should I recon? or just wait until I recieve the denial letter?

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Yes, you should. Call underwriters directly. BofA is good with recon. They are also HP happy. Keep that i mind. Good luck.