BofA CCR approval

pip3man · ‎06-13-2025

Applied for the Customized Cash Rewards for the elevated rewards offer combined with my Platinum status in Preferred Rewards. Application went pending due to frozen EX file. Called in to UW and was told to unfreeze either EX or TU. Unthawed EX and was instantly declined on the call. Got counteroffered the $99/$500 partially secured version of the card which I gladly accepted. This would be my lowest limit card but has the potential to be a fast grower. Stats listed below:

5yr & 3months post BK7

685 EX Fico 8

18% overall utilization

AAoA 5yrs

11/24 new accounts

10 hard inquiries (all 10 within the last 12 months)

No collections/late payments

Vinjints · ‎06-13-2025

Congrats on the approval. Seems like you are very aggressively adding these accounts. What's your short team strategy?

NFCU Flagship (Daily Driver) | USAA Rewards (1999 Hooptie)

AmEx BCP (Groceries) | Aven Rewards (Groceries) | Chase Prime (Amazon) | Citi Custom Cash (Dining) | Elan MCP (Utilities)

EX(F8) 780 | EQ(F8) 802 | TU(F8) 796 | EQ(BC8) 810 | EX(10T) 782

Jeffster1 · ‎06-13-2025

My BofA CCR remains my favorite card, especially with the Platinum Honors bonus. It remains my go-to card.

0% utilization
FICO 8 EX 815 EQ 825 TU 834
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 14K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo Autograph Visa 30K I Citi Costco Anywhere Visa 10.2K I BMO Harris Cash Back MC 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 15K I Citi Thank You MC 10K I Bread Financial American Express 20.5K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney MC 10K I Synchrony Premier MC 10K I UCLA Wescom CU Rewards Visa 7K I PayPal Cash Back MC 20K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I Gemini Bitcoin MC 15K I TMobile Capital One Visa 20K I BILT 2.O MC 10K I USAA Cash Rewards Plus American Express 4K I Apple Card 6K

pip3man · ‎06-13-2025

@Vinjints wrote:
Congrats on the approval. Seems like you are very aggressively adding these accounts. What's your short team strategy?

You're right, I am. My goal is to reestablish or establish my relationship with prime lenders now to the extent my current credit standing permits and let things grow uniformly over time. With BofA, I had a slight advantage... so going into it, I knew I had a very good shot getting an approval of some sort. Plus I didn't apply via the public link so there's that part too.

Copenix · ‎06-14-2025

Congrats on your approval. CCR is a great card.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $120K | Utilization 0.9%

FICO 8s August 2026