cancel
Showing results for 
Search instead for 
Did you mean: 

BofA Unlimited Cash Rewards Approval odds?

Mike1014805
Established Member

BofA Unlimited Cash Rewards Approval odds?

So, I wanted to get input from others who have applied and been approved for this card. 

(and if not this card, I'm also open to other card suggestions as well...doesn't even have to be BofA). 

 

I use Chase for my Experian Vantagescore, and Credit Karma for Transunion and Equiax Scores.

My scores are as follows: 

 - Experian: 717

 - Equifax: 709

 - Transunion: 722

 

I also know my fico 8 scores and inquiries (student loans, car loan refinance and 2 credit cards) because I pay for the experian membership, they are as follows: 

 - Experian: 684 w/5 inquiries

 - Equifax: 679 w/2 inquiries

 - Transunion: 699 w/1 inquiry

 

According to Credit Karma I have "excellent" approval odds for the Unlimited Cash Rewards Card from BofA. I know the approval odds on CK are based on a mixture of similar credit profiles and paid advertising. But the excellent odds have been there for 2 weeks now...so I wanted to know if anyone similar to me has been approved.

 

(The reason I want to open new cards is because I have 3 starter cards I opened 2 years ago when my credit scores were a 505 transunion and 516 equifax. I worked hard and raised my scores. But these starter cards all come with a $99 annual fee, and only a $2,000 limit max, and no rewards. I have bigger name credit cards now like, Capital One Venture w/ $5,500 that I got in October and the Chase Amazon Visa that I got in November w/$3,300 limit. I also have the BofA Customized Cash Rewards Card w/$2,000 limit, that I've had for 9 years now. However, according to more than one BofA Rep, it's a platinum card that isnt eligble to be upgraded to the Unlimited Rewards Card or Signature Visa version of the Customized Cash Card) I know I've asked about this before, but I realize now that I asked about it in the wrong way, so I'm being more detailed this time around. 

1 REPLY 1
mark3038
Established Contributor

Re: BofA Unlimited Cash Rewards Approval odds?


@Mike1014805 wrote:

So, I wanted to get input from others who have applied and been approved for this card. 

(and if not this card, I'm also open to other card suggestions as well...doesn't even have to be BofA). 

 

I use Chase for my Experian Vantagescore, and Credit Karma for Transunion and Equiax Scores.

My scores are as follows: 

 - Experian: 717

 - Equifax: 709

 - Transunion: 722

 

I also know my fico 8 scores and inquiries (student loans, car loan refinance and 2 credit cards) because I pay for the experian membership, they are as follows: 

 - Experian: 684 w/5 inquiries

 - Equifax: 679 w/2 inquiries

 - Transunion: 699 w/1 inquiry

 

According to Credit Karma I have "excellent" approval odds for the Unlimited Cash Rewards Card from BofA. I know the approval odds on CK are based on a mixture of similar credit profiles and paid advertising. But the excellent odds have been there for 2 weeks now...so I wanted to know if anyone similar to me has been approved.

 

(The reason I want to open new cards is because I have 3 starter cards I opened 2 years ago when my credit scores were a 505 transunion and 516 equifax. I worked hard and raised my scores. But these starter cards all come with a $99 annual fee, and only a $2,000 limit max, and no rewards. I have bigger name credit cards now like, Capital One Venture w/ $5,500 that I got in October and the Chase Amazon Visa that I got in November w/$3,300 limit. I also have the BofA Customized Cash Rewards Card w/$2,000 limit, that I've had for 9 years now. However, according to more than one BofA Rep, it's a platinum card that isnt eligble to be upgraded to the Unlimited Rewards Card or Signature Visa version of the Customized Cash Card) I know I've asked about this before, but I realize now that I asked about it in the wrong way, so I'm being more detailed this time around. 


Something is not right. Your scores are low based on what you posted.

Do you have late payments? CO's any CA's?

Your scores should be in the 750 range so something is for sure holding them down. What is it?

For accurate advice you need to disclose what is going on both good and bad.

Thanks

Mark

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 2 of 2
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.