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BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

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snickerpedia
Frequent Contributor

BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

UPDATE---JUST CALLED AND THEY APPROVED ME FOR 17K!!! WOW - i guess they are not inquiry sensitive ---I am in shock!!!! I'm still thinking it is a mistake and won't believe it until I see it in my online account!!

 

 

So on the last app of my "spree" I decided to go for the boa cash rewards card and was totally expecting a denial. I have 9 recent inquiries on Experian and I mean recent.

 

App went to 7-10 day message per usual. 

 

Just got a call about 10 minutes ago from a CSR asking me if it was me who applied and if I had recently applied for a bunch of credit cards lately haha...I shamelessly said yes and confirmed it was me.--- Hung up with her, went back to my computer and my email was RAGING with alerts about a pull on TU just now ( I AM SO PISSED I FORGET TO RELOCK MY TRANSUION). My transunion has 14 inquiries all within the past 6 months and about 6 in the past 30 days. I figured I was just instantly denied but that I would check the online app status just to humor myself.

 

Low and behold - Approved.

 

I do have a newly opened BOA checking account with not much in it. But my question is, will my card show up in my online account soon so I can see the SL, or will I have to call them and try to find out? Is there another way to find out my SL? I'm guessing it is like 500 SL heeh.

 

Now I really will be in the garden for a year or two!!!

 

Just thought I'd list my inquiries to give some people chuckle---

 

Experian

 

BK OF AMER

Inquiry date: Nov 8, 2019

 

FIRST TECH FCU

Inquiry date: Nov 6, 2019

 

PNC BANK

Inquiry date: Nov 6, 2019

 

UNIFY FCU FKA WESTRN F

Inquiry date: Oct 29, 2019

 

JPMCB CARD

Inquiry date: Oct 24, 2019

 

AMEX

Inquiry date: Jul 31, 2019

 

OMENITYCB/TRUEVALUEDI

Inquiry date: Jun 20, 2019

 

AMEX

Inquiry date: Jun 18, 2019

 

AMEX

Inquiry date: Jun 17, 2019

 

Transunion:

 

Bk Of Amer

Inquiry date: Nov 9 2019

 

Syncb/1travl

Inquiry date: Nov 6, 2019

 

TOWER FEDERA

Inquiry date: Nov 6, 2019

 

BECU

Inquiry date: Oct 26, 2019

 

JPMCB CARD

Inquiry date: Oct 24, 2019

 

AMERICAN EXP

Inquiry date: Aug 2, 2019

 

WRIGHT-PATT

Inquiry date: Jul 18, 2019

 

NORDSTROMTD

Inquiry date: Jun 29, 2019

 

SYNCB/COAIR

Inquiry date: Jun 19, 2019

 

SYNCB/WALMRT

Inquiry date: May 21, 2019

 

SYNCB/PPMC

Inquiry date: May 21, 2019

 

ALLIANT CRED

Removal date: Apr 19, 2021

 

SYNCB/WALMRT

Inquiry date: Mar 26, 2019

 

BRCLYSBANKDE

Inquiry date: Mar 26, 2019


SYNCB/PPMC

Inquiry date: Mar 13, 2019

 


TU - 785
EX - 771
EQ - 779


Citi premier 13
CSP 29
X1 33.5k
/CIU 6k
Message 1 of 26
25 REPLIES 25
Anonymous
Not applicable

Re: BOA Cash Rewards Approval - Hmmm

Congrats on your approval! I agree with garden for sure 😁

Message 2 of 26
slickwidit
Established Contributor

Re: BOA Cash Rewards Approval - Hmmm

Congratulations on the approval!
"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)
Message 3 of 26
AllZero
Mega Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Congratulations on your approval!
Message 4 of 26
Cred4All
Valued Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Congrats on a successful outcome, nice SL!


Message 5 of 26
Rebuild2019
Valued Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Congratulations @Snickerpedia 🎊🎉🎈. I am glad to see someone else having a good day also.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards Plus | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | AAA Daily Advantage | US Bank Cash+ | Wells Fargo Reflect | Citi Costco Visa | One Pay Cash Rewards | BofA Customized Cash Rewards Visa Signature | Wells Fargo Personal Loan | NFCU Auto Loan
>Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |

BUSINESS CARDS: Amazon Business Prime AMEX
Message 6 of 26
GApeachy
Super Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!


@snickerpedia wrote:

UPDATE---JUST CALLED AND THEY APPROVED ME FOR 17K!!! WOW - i guess they are not inquiry sensitive ---I am in shock!!!! I'm still thinking it is a mistake and won't believe it until I see it in my online account!!

 

 

Glad you didn't put money on this one!  Hahahaha, Congrats on being WRONG!!!!  Is there another way to find out my SL? I'm guessing it is like 500 SL heeh.

 

 


 

My Take Home Pay Don't Take Me Home
Message 7 of 26
gdale6
Moderator Emeritus

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

You snuck in with this approval, grats and yes time to garden Smiley Happy

Message 8 of 26
snickerpedia
Frequent Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!


@Rebuild2019 wrote:
Congratulations @Snickerpedia 🎊🎉🎈. I am glad to see someone else having a good day also.

I think all these lenders are full of holiday Spirit!!!!!!!!!!!!!


TU - 785
EX - 771
EQ - 779


Citi premier 13
CSP 29
X1 33.5k
/CIU 6k
Message 9 of 26
ocheosa
Valued Contributor

Re: BOA Cash Rewards Approval - UPDATE HOLY CRAP!!!!

Congratulations !! Red Alert ! Win-Win Scenario !!!

 

Those inquiries only prove you are serious about Financial Management and you have taken a strategic method in bolstering your portfolio! Best to app in earnest within the same period so all inquiries will drop at approx the same time! AND, more important, the neg effect from the New Accts will age together vs 1-3 new accts every 6 months for years. I've been at this game for 32yrs and the method has always proven fruitful for me. I went on a 4 month spree (+4,+1,+1,+2) and yes there were a few denials but the Approvals, well, I did much better than planned ! Win-Win Scenario !!!

 

[7/26] Scores 8/9: 800s. Util: ≤ 1%. AoOA: 18.4y, AoYA: 7m. New Acct: 1/12, 2/24. Inq/12: EQ 0, EX 1, TU 0.
TCL $741K: Personal $600K, Business $141K.
Message 10 of 26
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