Following the order of your questions.
Generally they pull EX FICO 8 for CC but not 100% solid, they SP TU for CLI.
Existing relationship not required for personal CC but having Preferred Rewards status can help especially at CLI time. They have a firm but not immutable rule about denial if an existing client added more than 7 cards in the last 12 months but the threshold is 3 cards if not an existing client (the 3/12 and 7/12 rules).
They are tolerant of a couple of dings in ones profile but aren't afraid to counteroffer with a secured card or to deny altogether.
Not inherently sensitive to inquiries but their tolerance depends on your profile and relationship, refer back to comments above about the 3/12 and 7/12 rules and of Preferred Rewards status.
To a certain extent they allow one to PC between cards (barring a recent policy change you can't PC to a Premium Rewards card for example) although ability can be influenced by the current state of ones credit profile as well as the depth of relationship with the bank. PC requests do not incur a HP.
Their online prequalifier and their mailers are marketing tools and should not be viewed as assessments of the probability of approval. They do sometimes extend real preapproval offers but those are individually targeted to existing clients through the online portal.
Not overly generous with starting limits but cards can grow nicely via CLI requests. They have a fairly firm cap of $99.9K CL across all BoA cards but will occasionally override that for an existing high-dollar and/or high spend client with a thick clean profile, we have a few members here that have crossed that threshold.
Forgive me if I made any booboos above as it's early and I haven't had any coffee yet.
(10/2025)
FICO 8 (EX) 838 (TU) 846 (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
