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BofA Cash Rewards Approval

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BofA Cash Rewards Approval

I've been lurking a looooong time, and this is my first post. 

 

So, to start... I've been on a rebuilding journey for a while now. My scores were in the mid 500's around a year ago due to hard times and poor decisions. I've had luck with Discover graduating my secured card and upping the CL to 750 at graduation. I also have a Citi secured card that was due to graduate in March, but I ended up getting a letter stating something along the lines of, "we will be renewing your secured account for another year and holding your deposit". Last week, I was checking a few prequalification pages, and ended up landing an Amex Delta Gold with a SL of 1000! Amex was the first to extend me an unsecured line from the start. With the hype of that approval (haven't even recieved the card in the mail, yet), I lurked around the forums for some info on BofA approvals. Ultimately, I decided to pull the trigger on the Cash Rewards, hoping that my current 6 year relationship with them would positively impact their decision. 

 

Holy crap...

 

Approved! With an SL of 5500!!!

 

Current Scores:

EQ: 641

TU: 632

EX: 665

 

As for baddies, I currently have two paid charged off Capital One accounts and a paid collection.

12 REPLIES 12
Valued Contributor

Re: BofA Cash Rewards Approval

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval, the AWESOME SL, your Rebuilding Success, and Thanks for the DPs and Welcome to the FORUMS!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 2 of 13
Established Contributor

Re: BofA Cash Rewards Approval

Congrats on both of your approvals!!

Did citi say why another year?
January 2020
Experian Fico 8. 677
Transunion Fico 8. 690
Equifax Fico 8. 699

Capital one QS. $600
Credit one. $300. (Soon to close )
Capital one QS1. $2250
Discover IT Cashback. $11,500
PNC cash rewards signature Visa. $12,500
Chase SW rapid rewards signature visa $6900

All cards opened between Oct 2018. - Nov 2019

Income varies. $60,000 - 80,000
Message 3 of 13
Frequent Contributor

Re: BofA Cash Rewards Approval

Congrats on the graduation and the approval!

  
(Sigh, farewell dear CSR. Though we only were together briefly, you'll be missed....)

  
  

Formerly GrowOrDie
Message 4 of 13
New Member

Re: BofA Cash Rewards Approval

Thank you all! Citi didn’t give specifics, unfortunately. It was pretty disheartening though, considering that Discover had just graduated me.
Message 5 of 13
Regular Contributor

Re: BofA Cash Rewards Approval

Wow! way to go!
Message 6 of 13
Super Contributor

Re: BofA Cash Rewards Approval

Congrats, Great Card and a nice SL

Welcome to The Forum

Message 7 of 13
Valued Contributor

Re: BofA Cash Rewards Approval


@Dogbert wrote:

Congrats on the graduation and the approval!


Where are the Girls???

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 8 of 13
Moderator

Re: BofA Cash Rewards Approval

Great SL on the BoA, now Citi can be sock drawered or canceled if you want your money back now.

"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 9 of 13
Senior Contributor

Re: BofA Cash Rewards Approval

Congrats on your approval !!!!!

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 10 of 13
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