Today I took the plunge and applied for the BOA PR card. The night before, I was perusing my boa accounts online and saw that I had a special offer for the PR card, with the 50,000 pt SUB. I’m somewhat new to credit, so wasn’t completely confident in my chances and had read that PR can be hit or miss in terms of approvals. I did it by phone as I was out grabbing some food.
Took about 10 mins. Most of it was listening to prerecorded T&Cs. Instant approval for $21,000. They pulled EX. I currently have a BOA CR at $25,100. Total exposure $46.1k. My plan is to apply for the AMEX PLAT in next couple days, which for me will complete my CC arsenal. I don’t see a need for any others in my lifetime, unless someone could convince me otherwise. My other cards are DISC IT and AMEX rose gold.
Here are my stats in case this helps anyone:
BOA customer over 20 years
PR PH client x 3 years
Started a ME account in Feb this yr. Before that I was moving money back and forth to maintain PH status
CR card 2 years old in March, was my first cc ever, disc and Amex came about 6 months after
No inquiries in 12 months, 2/24
FICO 744 EX 751 TU
1 60 day late that is 6 years old, student loan
Now go nab a SP CLI to 99,900 on your Cash rewards. 
