Bank of America Cash Rewards credit card APPROVAL

[Anonymous]

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   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

[xaximus]

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

[pinkandgrey]

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

[Anonymous]

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

[Anonymous]

Congrats on your BOA Cash Rewards approval! 

[Anonymous]

Congrats!!!

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

[Anonymous]

Congrats on your approval.

[AverageJoesCredit]

Way to go! Nice sub too. 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 eligble

[Anonymous]

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.

[Anonymous]

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

No worries... SUB means Sign Up Bonus.