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Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Blue_Collar
Regular Contributor

Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

First Post

 

          Thank You especially to moderators and all that contribute here.

 

   March 9 2021. Wanted to app for Premium Rewards. After reading how elusive this card can be decided to go for Cash Rewards to establish relationship. No deposits or any accounts ever with BOA. This is exactly 1 year to date being declined for same card (CR) last year March 9 2020. Broke the 3/12 last year , I was 3/3. No more revolvers for 12 months, inquiry and new account points back. Instant approval not the greatest but pretty good 8K.

 

March 18 2021, BOA sends email, still looking for new cards. I'm like....hmmm this is from prequal I run before CR app. Check prequal again, shows all cards except CR directing me to Travel Rewards. Well if CR is not on here then this email was not from previous prequal. I know their prequal is marketing because I run it last year as well.

 

Come back here and do more reading. Discover BOA uses same hard pull for multiple apps if in 30 day window. If this is true then why not gamble? Is relationship established through Cash Rewards ( 9 days old)? Roll the dice on Premium Rewards, wheel spins ........................... Thank You in Review!

 

Did nothing except check online status every few days. March 29 2021 get email, Approved 17K! 

 

Apparently a 9 day old Cash Rewards account did establish relationship and they did use same inquiry from 3/9/2021. Made a $2500 transaction on CR card, set up three depository accounts from other banks on bill pay and paid 2k of the 2.5K right after applying for Premium Rewards. 

 

They checked Experian Fico 8 -  794

Inquiries 10/24  -  3/24 scorable

AoOA - 14 years

AAoA - 3.5 years

Util - >1%

DTI - 5%

Message 1 of 14
13 REPLIES 13
CreditorApproved
New Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congrats on your approval🎉. Also applied for the same BofA card and was accepted with no relationship. I've never had an auto CLI with that card unfortunately, had to manually request it. Amazing card nonetheless. 👍

Creditor Approved Website - Application Experiences Needed! See Your Chances of Approval.

Credit Cards from Oldest:
Chase Freedom Unlimited $3,000 CL
Discover It $2,400 CL
BofA Cash Rewards $1,300 CL
Apple Card $1,500 CL
Chase Freedom Flex $3,200 CL
758 FICO 733 TransUnion
$11,800 CL - $20,000 income (ECE Student)
2 Years of Credit
Message 2 of 14
AllZero
Super Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congratulations on your approvals!
Message 3 of 14
M_Smart007
Epic Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congratulations on your approvals! ...

Message 4 of 14
cashorcharge
Valued Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

That's terrific!  Congratulations on your approvals!! 🎉🥂

Message 5 of 14
gdale6
Moderator

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Grats on the double approvals out of BoA and welcome to myFico Smiley Happy

Message 6 of 14
Mr_Mojo_Risin
Valued Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congratulations, those are some fantastic approvals! Enjoy them!

NFCU More Rewards 24K CL
AODFCU Visa Signature 5K CL
NFCU Cash Rewards 4K CL
Discover IT 1.5K CL
Cap1 Quicksilver 600 CL
NFCU auto loan
Message 7 of 14
CreditAggie
Senior Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congratulations on your BofA approvals!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 8 of 14
Carmy03
Established Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Thanks for dps. This is the thread I needed. Congrats on your success.

Message 9 of 14
paws
Frequent Contributor

Re: Bank America, BOA Cash Rewards and Premium Rewards, No Relationship

Congratulations on your approvals!

CCs → Capital One | Finn | Tomo | Mission Lane | Chime
Message 10 of 14
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