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Denied for BoA card; phone call the next day

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Denied for BoA card; phone call the next day

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?
FICO8 - Oct 2019
FICO9 - Aug 2019
Message 1 of 12
11 REPLIES 11
Community Leader
Super Contributor

Re: Denied for BoA card; phone call the next day

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.
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Message 2 of 12
Moderator

Re: Denied for BoA card; phone call the next day


@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?

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.

Message 3 of 12
Valued Member

Re: Denied for BoA card; phone call the next day

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.
Sitting in the garden with all my gardening tools
Message 4 of 12
Frequent Contributor

Re: Denied for BoA card; phone call the next day

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






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Message 5 of 12
Contributor

Re: Denied for BoA card; phone call the next day

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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Message 6 of 12
Super Contributor

Re: Denied for BoA card; phone call the next day


@GardenPro wrote:

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


+1..    This ^^^^^^^^^^^^^^^^^


 

Message 7 of 12
Super Contributor

Re: Denied for BoA card; phone call the next day


@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.

Glad I read the thread, I remembered this, and was going to post the Dog approvalSmiley Very Happy

 

#GoFido


 

Message 8 of 12
Regular Contributor

Re: Denied for BoA card; phone call the next day

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.
FICO8 - Oct 2019
FICO9 - Aug 2019
Message 9 of 12
Moderator

Re: Denied for BoA card; phone call the next day

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.
Message 10 of 12
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