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Bank of America Cash Rewards credit card APPROVAL

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Established Member

Bank of America Cash Rewards credit card APPROVAL

I decided to try and apply with BOA because I really wanted a 0% interest to transfer a balance. I have two savings account and a checking account with BOA. I was not sent anything that said I was prequalified.

 

I applied online and go the "Your Application is Under Review" message. I decided to call 877-383-0120- verified my information (I have a fraud alert) and she put me on hold.

 

I was shocked to be approved for $3,500 with 0%, $200 cash back bonus, and everything else!  I didn't think they would approve me because of my credit and 10 years ago I had a card with them that they closed Smiley Sad  I have been working so hard for years to repair this!

 

Credit is now locked and won't be applying for anything else!

 

I live in TX and they pulled Experian. Current Fico8 scores: Ex-649, Eq-651, Tu-654

I have 4 baddies on my credit that were from an ex. Nothing CC related. Add up to $1500ish together and are 4 plus years each.

16% cc utilization

~10 inquires across the board (over last two years). 2 are fraud and are in process of being removed.

CC's I have now:

Amex BC $0 out of $500

Amex ED $0 out of $500

Capital1 Sec  $0 out $600

Capital QS $2000 out of $3000

Merrick Bank- $0 out of $1200 - Will be closing now. HATE this card. Worst interest ever.

 

AU on:

Discover $600 out of $7000

Capital One $0 out of $10,000

 

Store:

Amazon- $1000 out of  $2500

Walmart-$0 out of $2500

Ulta- $0 out of $1200

VS- $0 out of $1200

Nordstrom -$0 out of $1000

Children's Place- $0 out of $500

 

30 REPLIES 30
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Valued Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Congrats on your approval. BoA grows pretty quickly as long as you use it.


Scores - All bureaus 756 +
TCL - Est. $275K
Message 2 of 31
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Community Leader
Senior Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Congrats! I've tried for this card twice and had no luck LOL. Oh well, at least I got my US Bank Cash +....

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 6.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 31
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Established Member

Re: Bank of America Cash Rewards credit card APPROVAL

Thank you! I am not sure why they approved but I am thrilled.

Message 4 of 31
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Senior Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Congrats on your BOA Cash Rewards approval! Smiley Happy





Message 5 of 31
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Regular Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Congrats!!!

Thanks for the DPs ... I think your deposit relationship really helped Smiley Happy








Les murs ont des oreilles .
Message 6 of 31
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Regular Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Congrats on your approval.

Message 7 of 31
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Community Leader
Mega Contributor

Re: Bank of America Cash Rewards credit card APPROVAL

Way to go! Nice sub tooSmiley Happy. I agree, Boa values banking relationship above all else imo. I have one card and they wont increase nor give another card as my income and no assets with turn them off. Enjoy and take care of it. Their cards grow if you are eligbleSmiley Happy
Message 8 of 31
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Established Member

Re: Bank of America Cash Rewards credit card APPROVAL

Thank you! What does sub mean? Sorry!

I agree. I think having two savings and a checking helped. One of my savings has a good amount of money in it too.
Message 9 of 31
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Regular Contributor

Re: Bank of America Cash Rewards credit card APPROVAL


@britiam wrote:
Thank you! What does sub mean? Sorry!

No worries... SUB means Sign Up Bonus.








Les murs ont des oreilles .
Message 10 of 31
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