What a whirlwind. I had 4 cards I really wanted on the back burner. WF World Propel (denied in january, approved in march), FNBO Travel Elite Amex, Bank of America Better Balance Rewards, and 5/3 Trio. BBR and FNBO are similar in their no frills no AF aspect, and feature packed!
I also like testing the waters and wanted to get the highly sought after card...and ended up being past a certain date since I was so indecisive. So I found a working link for the app, logged in to BOA to populate some info, filled out the rest, then I sat there. I realized I wanted FNBO more than anything else (well, the 5/3 Trio is also huge on my list).
I kept thinking, do I really need this card (fnbo). Then I realized its with a bank I have wanted to get established with for years. I also knew their special products can disappear at any time. And I didnt even THINK the travelelite amex would be gone today! So I applied, and it was not instantly approved or denied. Said 2-4 weeks. Figured that was gonna be a denial, so that is when I finished my BBR app and got instantly approved. $10k. They did take $5k from my Merrill+ card which is just fine with me.
Got an email this morning to check the status on FNBO TravelElite Amex. It was denied (which I already saw/suspected). So I called in. The rep said it was only because of too many recent inquiries. I explained the only cards I had opened in the last 6 months were bank of america in december, and just one in march because I bank with them (wf propel). Said I had not been a big fan of credit cards until I understood the benefits and protections they offer so have been doing some fine tuning. So she said she would send it in for a manual review, it would NOT be a 2nd HP (ha we'll see) and for me to call back tomorrow. Rep seemd very positive and upbeat and said it should not be a huge issue in over turning this but she could not make any promises. Then tonight I see the card is no longer offered! That was pretty good timing!!
Now I just hope they approve me and also start getting 5/3 mailers again. Here is a pic showing I applied 5/31 and was approved 5/31! And yes, it did cross my mind to go for 2 BOA cards at once, but I didn't want to. They have been good to me. Might be nearing my max exposure with them, as my merrill+ approval last year was instant, 15k, and did not siphon away limits from my other card. And in case anyone is curious the link to apply finally doesn't work. I guess we can say I am officially the last one to get this card, excluding people that were denied and had to recon later. Lol.
Patience does pay off! A kind shout out to Galahad15, I just checked my status and it was approved! $2,900 should grow just fine with time via SP. Since they did tell me to call tomorrow, I will, wondering how difficult it would be to get the limit recon'd a bit?