Hello All,
My fico scroes are EQ - 698, EX - 695, TU - 720.
Inqs:
New auto loan inqs(approx 10 across TU,EX,EQ) in month of feb,2016. Before that no inqs for 9 months. Last CC apped on may,2015.
Following new accounts in added from last 2 weeks(Yet to report in CRs)
1)New penfed auto loan $29200
2)Penfed Credit card $1000
3)Penfed thrifty credit service- $500
I need some info on
1)How much avg points could go down when all these 3 new accounts reported to CRs?
2)If i app two new cards and supposedly if it gets approved(planning for bofa bbr and citi dc)- how much points go down for credit pull and new accounts?
Based on the advice, i can make a decision. Please advice. Also, i m planning to go garden for atleast 1-2 yrs.
Went ahead and apped both Citi DC and BOFA BBR. both approved.
Citi DC - $2600 SL
Bofa BBR - $7k
And then doesnt stopped. Saw the lucrative BOFA Travel rewards 20000 ponts , also read Bofa can combine multiple card apps into 1 HP. so apped it. It says Status as Pending.
Is it a denial?
Citi DC - $2600 SL
Bofa BBR - $7k
And then doesnt stopped. Saw the lucrative BOFA Travel rewards 20000 ponts , also read Bofa can combine multiple card apps into 1 HP. so apped it. It says Status as Pending.
Is it a denial?
@GetMeSlick wrote:
Went ahead and apped both Citi DC and BOFA BBR. both approved.
Citi DC - $2600 SL
Bofa BBR - $7k
And then doesnt stopped. Saw the lucrative BOFA Travel rewards 20000 ponts , also read Bofa can combine multiple card apps into 1 HP. so apped it. It says Status as Pending.
Is it a denial?
Pretty sure it would say denied if it was yet a denial 
This is what happend. They approved the travel rewards visa siggy card as well.
They moved my 1st travel rewards 13k limit to these two new cards. 2k to BBR and 5k new travel card.
I think, No more new cards from bofa for me.
Yesterday morning i apped for BBR first. Its simply said, "Congrats, you have been approved for 7k limit". I was excited 
.
Then in next 10 mins, i apped for Travel rewards, it said "Pending with review". When i called them,
Credit Analyst: Have you applied 2 cards? Is that intentional or mistake?
Me: Yes, i applied for two cards intentionally. i need both. BBR for blah blah blah, Travel rewards for upcoming travel plans in spring/summer.
CA: Ok wait a minute. I will look at it.
after 2 mins. He came back and said "Congrats we are approving your travel rewards with $1000 limit"
Me: What .. $1000? what am i supposed to do with that?
Ok, can you move some existing limit from my 1st travel card $13k to this new travel card?
CA: Sorry sir, your 1st travel rewards card is a visa siggy. So, it should definitely have min $5k limit, i cant move much from that.
Me: i was shocked. What again? It has $13k limit.
CA: No sir, we had moved your $7k from 1st Travel rewards to your new BBR card
Me: 
Meh, i didn't know that. you guys did in that way!!. Anyways, i dont need $7k in bbr. Just keep $2k in bbr and move the $5k to new travel rewards
CA: Ok sir. After 2 mins, Congrats again. you got both new cards delivered in 7-10 days.. blah blah blah.
Me: Can you increase my credit line on other 2 Cash back cards with the same HP?. They are lying in $2k each.
CA: Oh sure, it will be a new request and new credit pull
Me: Ok Thanks . good day! 
End of story.
@Anonymous wrote:thank you very much for the detailed reply. i have a very similar situation soon - apping for a BBR and requesting CLI for my other 2. your conversation with the specialist is somewhat disconcerting. :/ boooo BoA!
Any CLI with Bofa is always HP. good luck .