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What is it with Bank of the West?

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Senior Contributor

What is it with Bank of the West?

So just like @BigHair reported here, I applied for a Bank of the West Cash Back card since I just got rid of my More Rewards and I have yet to get a HP. I put my app in about 5PM last night, my lift expired at midnight, I called in to the app status line and they said that it’s in review. 

 

Is BoTW just not doing HPs or what? I went ahead and put in another lift just in case but the guy said they have my credit report and it’s just queued for review?!

 

Unlike BigHair, I don’t have an existing relationship with BoTW that they could be using for approval. 

 

We don’t see a lot of people going for this card but it’s a 3/3/3 groceries/dining/gas world MasterCard that automatically redeems your cash back every quarter with a $.01 minimum so it’s perfect for people like myself that don’t have enough grocery spend to hit the $25-$50 targets of other cards in a reasonable period of time. 

 

I will keep everyone posted on the status. I think my score might be a bit low for this particular card right now but since I already added a new account that’s going to bring my AAoA under 2 years anyway, I figured I would take a shot at this one and if I get it just pull the UMB goal card. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 1 of 28
27 REPLIES 27
Community Leader
Super Contributor

Re: What is it with Bank of the West not pulling?

Hey , whats that weird color blob in your siggy?Smiley Wink
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Message 2 of 28
Senior Contributor

Re: What is it with Bank of the West not pulling?


@AverageJoesCredit wrote:
Hey , whats that weird color blob in your siggy?Smiley Wink

Haha. My card looks like sherbet right now. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 3 of 28
Valued Contributor

Re: What is it with Bank of the West not pulling?

Good to know about the card.  There is a BofWest down the street from me.  I'm not looking to add any more cards right now but might add that one to my list if it's worth it. 

Message 4 of 28
Senior Contributor

Re: What is it with Bank of the West not pulling?


@Hasselfree wrote:

Good to know about the card.  There is a BofWest down the street from me.  I'm not looking to add any more cards right now but might add that one to my list if it's worth it. 


The UMB card is better for most if you can get approved since it has discount stores as well but I don’t shop at Walmart and if I ever need Target, I’ll get a REDcard so the lack of a minimum redemption actually makes the BoTW card a better choice for me. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 5 of 28
Super Contributor

Re: What is it with Bank of the West not pulling?

When I'm struggling to get a card application to work for any reason, I usually just take it as a sign that it's not meant to be right now.

Message 6 of 28
Senior Contributor

Re: What is it with Bank of the West not pulling?


@kdm31091 wrote:

When I'm struggling to get a card application to work for any reason, I usually just take it as a sign that it's not meant to be right now.


The application worked fine, it’s submitted and it’s in review. My question is basically — are these SP approvals now?

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 7 of 28
Valued Contributor

Re: What is it with Bank of the West not pulling?

My sister applied for this card last month. They pulled EX that show up 2 days later.






Message 8 of 28
Senior Contributor

Re: What is it with Bank of the West not pulling?


@Steve891 wrote:

My sister applied for this card last month. They pulled EX that show up 2 days later.


Thank you. This is what I wanted to know. I figured it had to be a delayed HP. I will keep everyone posted as it progresses. I’m assuming at the earliest I’ll get a pull on Monday and if I don’t I’ll extend my lift until Friday. It’s just really difficult for me to have a lift and not apply for other cards so I hope they get to it quick. 

 

Unfortunately my SavorOne just reported it’s $2212 balance this morning so my chances just went down quite a bit I would say. 

70DD1A3B-9DE6-4CBB-A6D9-BA705BE22054.jpeg
Scores 1/2019:
Scores 8/2019:

Hover over my cards to see my limits!
Goal cards:
Message 9 of 28
Frequent Contributor

Re: What is it with Bank of the West not pulling?


@Saeren wrote:

So just like @BigHair reported here, I applied for a Bank of the West Cash Back card since I just got rid of my More Rewards and I have yet to get a HP. I put my app in about 5PM last night, my lift expired at midnight, I called in to the app status line and they said that it’s in review. 

 

Is BoTW just not doing HPs or what? I went ahead and put in another lift just in case but the guy said they have my credit report and it’s just queued for review?!

 

Unlike BigHair, I don’t have an existing relationship with BoTW that they could be using for approval. 

 

We don’t see a lot of people going for this card but it’s a 3/3/3 groceries/dining/gas world MasterCard that automatically redeems your cash back every quarter with a $.01 minimum so it’s perfect for people like myself that don’t have enough grocery spend to hit the $25-$50 targets of other cards in a reasonable period of time. 

 

I will keep everyone posted on the status. I think my score might be a bit low for this particular card right now but since I already added a new account that’s going to bring my AAoA under 2 years anyway, I figured I would take a shot at this one and if I get it just pull the UMB goal card. 


GL! I’m interested in your outcome. I’m limited income like you. They have a big presence here in Vegas.

Your chosen approach can dictate what will be your final outcome. Be proactive, not reactive-
Message 10 of 28
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