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BoA Cash Rewards .... APPROVED!

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Frequent Contributor

BoA Cash Rewards .... APPROVED!

Ohhhhh what a Beautiful Wednesday!!


POINTS: EX: 681 (That's what BoA pulled), 1% Utilization, $4500 total Credit Limit. 1 Baddie. 


I have been rebuilding mode for going on two years now, completely went south on student loans and a car loan in 2012 & 2013. Rehabbed my student loan with on-time payments for 2 1/2 years now and am dumping extra money into the payments. Any extra cash I just throw it at that. I also got a Pay and Delete for my Collection on my car loan. I don't know why more collection agencies don't do that, helped me so much. Paid them the $2500 I owed and it was gone in an instant from my report


Climbed out of the dungeon in early 2016 with an OpenSky Secured Card, sucked it up and have been rebuilding ever since. Over the past year I was approved for an AMEX charge card. That helped get on the right track with a legit card and have been paying it off in full, putting a ton spend on it. Have several sub prime cards still's helping me keep my overall credit limits up. 


Recently I went past 670 with my EX score, haven't applied to a card in about a year. So I decided to go with the Cash Rewards from BOA. I have a checking account with them and there's always at least $2K in there (Don't know if that helps their decision making). BOOM Approved this morning with a $1K SL. Most of you probably will laugh at that, I'm ready to go out and buy some champagne hahaha. 


Just been such a long journey and I've been desparate to close these darn sub primers and I'm hoping about at that point. 


An important note also with this. I burned BOA on a secured card when I was really acting irresponsible and a mess with my financial life. It was for about $240. I paid that off in my rebuilding process. So thank you for taking a chance!




AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 1 of 15
Valued Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on the approval and on your ongoing credit rehab!
By the way you might wanna blur out some private or sensitive infos from screenshots next time. Application Reference Number, Name, etc....
Remember this is a public forum and anything you post is accessible to any Joe Schcammer of the world. Smiley Happy
BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits

New cc TLs 1/6 ; 1/12 & 4/24
Message 2 of 15
Super Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on you new BoA Cash Rewards!!

Message 3 of 15
Valued Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on the approval and rebuild so far!

Scores - All bureaus 756 +
TCL - Est. $275K
Message 4 of 15
Valued Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on the approval!

Message 5 of 15
Regular Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on your sucessful rebuild & new BOA card! Outstanding!!!!!

Message 6 of 15
Community Leader
Mega Contributor

Re: BoA Cash Rewards .... APPROVED!

Woo hoo!
Message 7 of 15

Re: BoA Cash Rewards .... APPROVED!

Well done, treat it right and it will grow quickly.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 8 of 15
Community Leader
Senior Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats! And another lucky member joins the “pinkandgrey Anti-Fan Club.”

BofA hates me but obviously loves you! Nice SL!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 6.7k
Once you go Berner, you never go back.
Message 9 of 15
Valued Contributor

Re: BoA Cash Rewards .... APPROVED!

Congrats on your approval!!
Message 10 of 15
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