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BOA (bank of america) premium and cash rewards approvals,

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Regular Contributor

BOA (bank of america) premium and cash rewards approvals,

Applied and wasnt an instant decision but got approved for both. Premium sl is 16k and cash rewards sl is 7k

11 REPLIES 11
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Regular Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

That's awesome. I just got a auto loan through them and was thinking about one of their cards. You have any data points?
Congrats!
Message 2 of 12
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Valued Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

Not bad at all...congratulations on your approvals!!....Smiley Happy

American Express Business Gold(NPSL 10k) Chase CSP (25k) Pier 1(23.5k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until Aug 2020

FICO 8 Scores EX 702 EQ 705 TU(1) 718
AAOA 4.6yrs TCL=300,700
Message 3 of 12
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Valued Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

$16k's a great SL, congrats.  I also would ask if you have any data points to share?


Message 4 of 12
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Valued Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

Congrats on the dual approval!



Scores - All bureaus 756 +
TCL - Est. $275K
Message 5 of 12
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Regular Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

My scores are between 715 and 750. I've been in the garden for 2 years but do have a lot of accounts. I have about 300k in credit. I use about four cards out of the 20 I have. I use the others every now and then to keep them active. Im using about 15% overall utilization. 1-3 inqs on reports.

Message 6 of 12
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Senior Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

Congratulations on your approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 7 of 12
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Regular Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

Congrats on the approvals and great SLs!



                                                  
                                                                                              
Total Credit: $107,000Utilization: 1%AAoA: 2yrs, 4mthsAoOA: 3yrs, 1mthAoYA: 1yrs, 10mthsBaddies: 0

Message 8 of 12
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Regular Contributor

Re: BOA (bank of america) premium and cash rewards approvals,

Congrats!

 

I am a huge advocate for BOA...they have been very good to me.  And their 0 % apr offers are consistent and useful expeically around the holidays if you like to pay off debt over a 12-18 month period of time. 


Message 9 of 12
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Established Contributor

Re: BOA (bank of america) premium and cash rewards approvals,


@tmote wrote:

Applied and wasnt an instant decision but got approved for both. Premium sl is 16k and cash rewards sl is 7k


Just wondering why did you apply two BOA cards at same time? Do they pull only once for two apps? Also how long you had to wait to get the decision. I just applied for Premium and it went into pending mode. This is the first time i did not get an instant denial from them. Keeping my fingers crossed.








Shell FCU : 5K, Alliant CU Loan : $35000
Message 10 of 12
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