DW approved for BoA premium rewards with no HP - myFICO® Forums - 6658329

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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?

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13 REPLIES 13

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

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Congratulations on your approval! @arunkumarmm

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@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.

Garden Club Spade

(2/2023)
FICO 8 (EX) 833 (TU) 839 (EQ) 840
FICO 9 (EX) 843 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

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congrats on the approval

ONE OF THE BEST FINANCIAL MOVES I EVER MADE WAS TO STOP RENTING MONEY

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congrats on the approval!

BPPR Visa | $4,700 | 08/2007

BPPR MC | $11,200 | 08/2007

Sears MC | $5,200 | 01/2008

Walmart Storecard | $3,400 | 11/2008

Best Buy Storecard | $3,700 | 10/2010

Discover IT | $15,000 | 06/2014

PENFED Platinum Rewards Visa Signature® Card | $20,500 | 07/2015

Amazon Prime Store Card | $6,000 | 12/2015

Home Depot | $6,500 | 12/2019

Newegg | $5,000 | 07/2020

Chase Sapphire Preferred | $13,800 | 03/2023

Chase Freedom Flex | $8,800 | 03/2023

Credit Health:

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Congrats on DW's Approval.

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

NFCU Platinum 50k | NFCU More Rewards 30k | BofA Merrill+ 45k | BofA Premium Rewards 25k | Affinity FCU Cash Rewards 22.5K | CSP 40k | Chase Amazon Visa 20k | Chase Freedom Flex 5k | Chase IHG 1k | Chase Ritz 20k | AOD FCU 20k | FNBO Duck Unlimited 25k | PNC Cash Rewards 22.5k | Citi Premier 14k | Citi Custom Cash 31k | US Bank Alt Connect 20k | Union Bank Cash Rewards 15.5k | SECU 20k | Discover 20k | William Sonoma Visa 35k | Farm Bureau 18.5k | Synovus Cash Rewards 18.5k | Regions Cash 14k | TD Cash 6k | Penfed Cash Rewards 30k | Penfed Pathfinder 20k | 5/3rd Trio 10K | BMO Harris Cash 18.5k | Barclay's Red AA 22k | MFCU 20k | Amex Business Cash 30k | Amex Business Prime 20k | Amex Delta Business Platinum 10k | AMEX BBP 15k

Message 8 of 14

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?

March 15, 2023 FICO 8

March 2023 FICO BankCard 8

March 15, 2023 FICO Auto 8

Care Credit MC $15,000

Overstock $22,000

Sam's Club MC $15,000

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

Message 10 of 14