Applied 2 days ago for the Alaska Air as I do quite a bit of travel out west and it went to review. Called in immediately to only learn that it eventually became a denial due to a previous BoA account. No surprise. So, I asked for a reconsideration and pleaded my case to the hilt. I defintely put my best case forward on this one..
I decided to check the app status, hoping for the worst -- another denial. However, it seems my fortunes have changed:
I was amazed, to say the least. I quickly called in to make sure....Yep. It was approved. Not only was I approved for $9K, which is quite decent, but it was also for the lowest rate of 12.74%. Unbelievable. I almost never get a card's best rate.
Some background: roughly 5 years ago I had a joint BoA LOC opened with my then Ex because their credit couldn't qualify so I did what any supportive spouse does, I joined as a co-applicant to secure it. Things with sour and they skipped on the tab -- without my knowledge and it went to a CO status. It was settled eventually for less than the actual balance. Ever since this took place, BoA has continued to denied me on all apps. ALL I tell ya. I've tried every angle with the latest effort of getting a virgin america card in hopes BoA acquires the portfolio.
Question is now, do I keep the virgin america? Will it be acquired by BoA? I've met the spend for the bonus thus far so that's covered.
I can tell ya, I'm quite happy! 
Made me do a take from the pepsi commercial -- this is must be how CreditCuriousity felt when he got approved for a Citi card
⋅ INQs: 6
Always glad to see someone get that white whale, great job Y 
@AverageJoesCredit wrote:
Always glad to see someone get that white whale, great job Y
congrats! they are the only major lender that still refuses to let me in with clean reports and mid-to-high 700 scores. One day I'll join you 
@Anonymous wrote:Way to go Ysettle4,
Congratulations on your BoA approval! ;-) I am glad to hear that you did not give up on them, and apparently they have not given up on you as well. Now that's wassup!
(-:
Indeed and thank you. Talk about persistence, I think I had roughly 8 INQs previously piled up over the years -- all denials of course
@CreditCuriousity wrote:Way to go Ysettle! Probably a pretty similiar feeling although never had an Ex or myself burn citi, just took me forever for them to warm up to me and my profile. I have another Citi post coming soon in the approval section near you.. Have they ever started to embrace me now lol.... Glad to hear of a nice approval amount and a GREAT apr! Happy for you!
Much appreciated, CC....and it's only going to get better for both of us. I'm hoping BoA warms up to me just has Citi has with you.
@AverageJoesCredit wrote:
Always glad to see someone get that white whale, great job Y
Thanks AJC! A long time coming for sure.