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%
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. 👍
Congratulations, those are some fantastic approvals! Enjoy them!
Congratulations on your BofA approvals!
Thanks for dps. This is the thread I needed. Congrats on your success.
Congratulations on your approvals!