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DW approved for BoA premium rewards with no HP

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arunkumarmm
Regular Contributor

DW approved for BoA premium rewards with no HP

DW already has CCR at $46.4K

 she applied for the premium rewards and was approved for $20K (They had to steal $9K from her CCR though)

 But what was surprising is that, they never did a hard pull. Its been more than 10 days now. Is BoA starting to be like Amex or is this how it always was?

Message 1 of 14
13 REPLIES 13
JoeRockhead
Senior Contributor

Re: DW approved for BoA premium rewards with no HP

Very nice SL and approval, extra kudos to BoA for the SP, congratulations to your DW!

Message 2 of 14
Yasselife
Valued Contributor

Re: DW approved for BoA premium rewards with no HP

Congratulations on your approval! @arunkumarmm 






Message 3 of 14
coldfusion
Community Leader
Mega Contributor

Re: DW approved for BoA premium rewards with no HP


@arunkumarmm wrote:

DW already has CCR at $46.4K

 she applied for the premium rewards and was approved for $20K (They had to steal $9K from her CCR though)

 But what was surprising is that, they never did a hard pull. Its been more than 10 days now. Is BoA starting to be like Amex or is this how it always was?


BoA will reuse an existing hard pull for up to 30 days but DW should pull her reports from annualcreditreport.com to confirm there was no inquiry reported.  BoA does sometimes pull from TU and occasionally will pull from EQ in response to a card application.   Maybe she really did get lucky. Smiley Very Happy

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 14
EAT_SLEEP_JEEP
Valued Contributor

Re: DW approved for BoA premium rewards with no HP

congrats on the approval

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SOCKDRAWERED FNBO JEEP CARD $7700/ WELLS FARGO ACTIVE CASH $8200/ CAPITAL ONE QUICKSILVER $3000 SL/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
Message 5 of 14
jibc1978
Frequent Contributor

Re: DW approved for BoA premium rewards with no HP

congrats on the approval!

Personal Cards:

Business Cards:

Store Cards:


Credit Health:



Message 6 of 14
M_Smart007
Legendary Contributor

Re: DW approved for BoA premium rewards with no HP

Congrats on DW's Approval.

Message 7 of 14
CreditCuriosity
Moderator Emeritus

Re: DW approved for BoA premium rewards with no HP

Congrats to DW, but I do speculate she did get a HP that she just hasnt seen yet.

Message 8 of 14
fury1995
Valued Contributor

Re: DW approved for BoA premium rewards with no HP

10 days seems pretty long for no alert for a hard pull.

 

How recent have you pulled/seen her Experian report?

 

Do you have recent data from EQ and TU as well?

August 28, 2023 FICO 8

August 28, 2023 FICO BankCard 8

August 28, 2023 FICO Auto 8

citi-costco-ImgurCiti-Double-Cash
Message 9 of 14
cashorcharge
Community Leader
Super Contributor

Re: DW approved for BoA premium rewards with no HP

WooHoo!! Congratulations DW on your BofA Approval!!👏🏼🍾🥂

Message 10 of 14
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