IS BOA high util friendly?

[Anonymous]

I have EX score at 675 

42% util (8 cards) 

chances to be aproved? :_) 

[Anonymous]

Do you bank there? What is your AAoA? Ever burn BoA in the past? Have you tried the pre qualify? Yes, I know it is rather non binding.

[Anonymous]

I dont bank with them. i was never burned with them and my age of credit is 3yr 7 mons. 

[Anonymous]

and i read on here that the pre qualify now gives everyone same reply- they used to say that they cant find a card for you

and now they recommen a card for all. maybe im mistaking. 

[Anonymous]

i just tried the pre qualifypage and it says " we recommend 

Bank of America® Cash Rewards credit card $150 cash rewards bonus offer"

[AverageJoesCredit]

Boa prequals are pretty much useless. If you say you are looking for cash back, odds are theyll recommend their cashback card.

[DeeBee78]

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@Anonymouswrote:

I have EX score at 675 

42% util (8 cards) 

chances to be aproved? :_) 

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K-In-Boston and myself have both had good experience with BoA and high utilization on their cards, but I don’t know if there are experiences where they don’t mind high utilization on other accounts. 

[Anonymous]

What Joe said. Their pre-qualifies are useless. They push the cash awards card and when denied they offer the secured which is like $300 for the deposit last I checked.  And they prefer people who bank with them.

[Anonymous]

When you go on their preapproval site, look for a card offer with a fixed APR instead of the 14%-24% range quote. That’s usually (but not always) a pretty good sign that you’ll be approved. 

I can also say they increased my CL from 4k to 6k when I was at 88% UTI on my Platinum Plus card last October. I do bank with them and my scores were in the 730 range so that helped.