Denied for BoA card; phone call the next day

[8bitmachinegun]

I recently tried to apply for a Bank of America cash rewards card but was denied. The weird thing was their ‘soft-pull’ pre-approval web page told me I was qualified to get the card. So my question would be, what does the hard pull tell them that the soft pull doesn’t.

And weirdly the next day I got a call from Bank of America. I was on a phone interview, so I couldn’t take it. When I called back it seemed like a standard customer service menu. Why in earth would they call me? I know they send out a letter with the reason for denial. Are they calling now instead?

[AverageJoesCredit]

They do that on occasion. Dont trust Boa prequal site. It is not reliable. If you are looking for a cashback card, i bet it comesback with their recommendations for their cb card lol.

[FinStar]

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@8bitmachinegun wrote:
I recently tried to apply for a Bank of America cash rewards card but was denied. The weird thing was their ‘soft-pull’ pre-approval web page told me I was qualified to get the card. So my question would be, what does the hard pull tell them that the soft pull doesn’t.

And weirdly the next day I got a call from Bank of America. I was on a phone interview, so I couldn’t take it. When I called back it seemed like a standard customer service menu. Why in earth would they call me? I know they send out a letter with the reason for denial. Are they calling now instead?

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The BoA customized offers (i.e. "Check for your offers") is not a pre-approval portal, unfortunately.   This is a run-of-the-mill recommendations engine that yields very high level data on suggested BoA products that you might qualify based on certain input criteria, not necessarily a full SP.

As far as the call back, unless they specifically left you a message with a direct number and/or reference #, might just be to confirm that you applied.

[Raisondetre]

You can even put your dogs name with some random information on the BoA "pre-qualification" page, they'll definitely come back with a ton of choices for Fido. My dog was "pre-qualified" for the premium rewards card, I had to talk him out of applying though.

[Anonymous]

They probably called to do a survey of how well they handled your application denial on a scale of 1 to 5.

[Anonymous]

The phone call may have been for verification. I would call their recon number and make your case. Could turn into an approval.

[M_Smart007]

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@Anonymous wrote:

The phone call may have been for verification. I would call their recon number and make your case. Could turn into an approval.

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+1..    This ^^^^^^^^^^^^^^^^^

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[M_Smart007]

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@Raisondetre wrote:
You can even put your dogs name with some random information on the BoA "pre-qualification" page, they'll definitely come back with a ton of choices for Fido. My dog was "pre-qualified" for the premium rewards card, I had to talk him out of applying though.

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Glad I read the thread, I remembered this, and was going to post the Dog approval

#GoFido

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[8bitmachinegun]

I’m a bit confused; what is a recon number and what is the number for BofA? I did call the number that Caller ID left, but got what seemed like a standard customer service number.

[FinStar]

Check out the following sticky thread for further guidance:

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

If you were denied, they could potentially provide you the reason(s). You'd have to understand what reasons were cited in order to determine next steps in the reconsideration process.

Just to add, BoA has tightened some of their UW criteria so reconsiderations are not as successful as in the past.