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BoA Travel Rewards — my highest limit yet

marie1203
Member

BoA Travel Rewards — my highest limit yet

applied for this over the weekend, but got an auto-decline message due to a security freeze (I had my Social Security number stolen last fall and have been cleaning up the resulting identity theft and credit fraud, wheeeee). temporarily lifted the freeze and called their new accounts department this morning to speak with a very nice credit analyst, who after thoroughly confirming my identity approved me for $5K! that's my highest limit yet, so pretty psyched. wanted this card for the 0 foreign transaction fees and the opening bonus isn't too bad either.

 

some background in case it's h elpful for anyone: my current FICO scores are in the 730-740 range, they've gone up around 75 points in the past few weeks thanks to some collections that either fell off or were paid off so i'm brand new to this whole "good credit" thing, haha. also applied for a Discover card last week and was approved for $4500. my current cards are a Chase Freedom ($1000, opened 7/2015), Barclays Rewards Mastercard ($1500, opened 11/2016), and the Synchrony Paypal card ($300, opened 1/2017). I have no other revolving accounts, though there are 2 fully paid off auto loans that still show up on my report, and $60K in student loans (current and being paid as agreed); income $85K.

Message 1 of 9
8 REPLIES 8
wanderingbuilder
Valued Contributor

Re: BoA Travel Rewards — my highest limit yet

congrats! some day I hope to get in with them just for the sake of having an open tradeline.

 

They keep denying me even though I have no negative anything, 11+ years of history, several years AAoA, etc. Maybe they just love you Smiley Happy

Message 2 of 9
kidink1911
Established Contributor

Re: BoA Travel Rewards — my highest limit yet

Congratulations and welcome to the BOA family!

AMEX Platinum- NPSL // AMEX Gold- NPSL // AMEX Delta Platinum- $5,000 // Discover IT Chrome- $1,000 // Sunbit Visa- $1,000 // Capital One Venture- $3,550 // AMEX Blue Cash Preferred- $1,000 // Venmo Credit Card- $1,200 // Capital One Spark- $500 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
Goal Transunion Score: 775


Take the myFICO Fitness ChallengeStarting Experian Score: 588
Current Experian Score: 623
Goal Experian Score: 775


Take the myFICO Fitness ChallengeStarting Equifax Score: 554
Current Equifax Score: 624
Goal Equifax Score: 775


Take the myFICO Fitness Challenge
Message 3 of 9
doinit1
Valued Contributor

Re: BoA Travel Rewards — my highest limit yet

CONGRATS!! You are doing awesome. Keep up the good responsible work!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 4 of 9
marie1203
Member

Re: BoA Travel Rewards — my highest limit yet

as a side note, I was apparently suffering from an itchy trigger finger this weekend and also applied for the Amex Blue Cash Everyday. the app is on hold since they couldn't pull my EXP report due to the security freeze, which I had temporarily lifted for the BoA app but I'm thinking I won't call Amex to let them know they can re-pull. will not let myself get lured in by too many shiny new cards...

Message 5 of 9
Tigers09
Valued Contributor

Re: BoA Travel Rewards — my highest limit yet

Congrats on your BoA approval. They can grow fairly quick
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 6 of 9
GetMeSlick
Established Contributor

Re: BoA Travel Rewards — my highest limit yet

very nice sl. congrats op. $200 on travel rewards bonus is something great. enjoy.

3/5/2021 FICO TU-830|EX - 836|EQ -832
Total Credit - $300K+
Starting Score: 640
Current Score: 836
Goal Score: 850


Take the myFICO Fitness Challenge
Gardening since June/2020
Message 7 of 9
CreditMagic7
Super Contributor

Re: BoA Travel Rewards — my highest limit yet


@marie1203 wrote:

temporarily lifted the freeze and called their new accounts department this morning to speak with a very nice credit analyst, who after thoroughly confirming my identity approved me for $5K! that's my highest limit yet, so pretty psyched.


This is another grand result that Bank Of America is really famous for.

 

Excellent analysts who WILL go out their way to make a way for many.

 

Congratulations!! BofA Really ROCKS!

Message 8 of 9
AverageJoesCredit
Community Leader
Mega Contributor

Re: BoA Travel Rewards — my highest limit yet

Nice job on all your approvalsSmiley Happy Your Boa is awesome and can grow bigg but probably with hp luv but your Disco could very well be the monster in the closet. 4500 is a great sl and wouldnt be suprised if you csn get that past 20 within a year or so. Good luck Smiley Happy
Message 9 of 9
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