Mar 12, 2014, 3:53 pm
Last edit by: muji
As an additional resource for these cards see this thread: Alaska Airlines Visa
PERSONAL CARDS
30k mile offer, $75 AF, $1k spend: https://www.bankofamerica.com/credit...s-credit-card/
+2k miles if done with onboard paper application
30k mile offer with $100 credit and fee for companion ticket waived the first year, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4020594
link no longer working
30k mile offer with $100 credit, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4009277
link no longer working
If you are applying for a personal Alaska card, and are not an expert on applying for Alaska cards STOP, don't apply yet.
Instead, read this post. Doing that first may save you a huge amount of wasted time and frustration.
A few people in the Alaska Airlines forum have in the past received personally targeted, single-use links for a 50k offer
when they opt-in to "Partner Offers" in their Mileage Plan account preferences.
=======================================
BUSINESS CARDS
30k mile offer, $75 AF, $1k spend, no foreign transaction fees:
https://www.bankofamerica.com/smallb...-credit-card//
Note: There are two different earning formats for the business card, which you choose when you apply:
To avoid billing confusion later, make sure you choose the Individual Level Earning Plan if you are not going to have employee cards under the same account as your account.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
------------------------------------------------------------------------------------
Reconsideration # (for personal cards):
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
1-866-811-4108 from the Alaska Airlines Visa thread post 949
Business card Recon Line:
866-695-6598 (8-7 EST M-F from what I was told)
Biz card status line: 888 663 6262
Biz Card credit analyst line: 877 665 5022, 877 665 5023 (seems to be non-working number)
Check application status online here:
https://www.bankofamerica.com/credit...status-form.go
------------------------------------------------------------------------------------
Credit Enquiries for Personal cards come from BofA. Enquiries for business cards come from FIA. Credit bureaus usually merge enquiries from the same requester made on the same day. Enquiries from BofA and FIA will not be merged.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
.................................................. .................
PERSONAL CARDS
30k mile offer, $75 AF, $1k spend: https://www.bankofamerica.com/credit...s-credit-card/
+2k miles if done with onboard paper application
30k mile offer with $100 credit and fee for companion ticket waived the first year, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4020594
link no longer working
30k mile offer with $100 credit, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4009277
link no longer working
If you are applying for a personal Alaska card, and are not an expert on applying for Alaska cards STOP, don't apply yet.
Instead, read this post. Doing that first may save you a huge amount of wasted time and frustration.
A few people in the Alaska Airlines forum have in the past received personally targeted, single-use links for a 50k offer
when they opt-in to "Partner Offers" in their Mileage Plan account preferences.
=======================================
BUSINESS CARDS
30k mile offer, $75 AF, $1k spend, no foreign transaction fees:
https://www.bankofamerica.com/smallb...-credit-card//
Note: There are two different earning formats for the business card, which you choose when you apply:
- $50 per company, $25 per card (Business Level Earning Plan)
- $0 per company, $75 per card (Individual Level Earning Plan)
To avoid billing confusion later, make sure you choose the Individual Level Earning Plan if you are not going to have employee cards under the same account as your account.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
------------------------------------------------------------------------------------
Reconsideration # (for personal cards):
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
1-866-811-4108 from the Alaska Airlines Visa thread post 949
Business card Recon Line:
866-695-6598 (8-7 EST M-F from what I was told)
Biz card status line: 888 663 6262
Biz Card credit analyst line: 877 665 5022, 877 665 5023 (seems to be non-working number)
Check application status online here:
https://www.bankofamerica.com/credit...status-form.go
------------------------------------------------------------------------------------
Credit Enquiries for Personal cards come from BofA. Enquiries for business cards come from FIA. Credit bureaus usually merge enquiries from the same requester made on the same day. Enquiries from BofA and FIA will not be merged.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
.................................................. .................
Alaska Airlines card offers, Personal & Business [2012-2016]
Mar 24, 2015, 7:19 am
#1456
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,756
So, not having done this card yet. With AA Exec I do spend money to get my 50K, because they do not show up till then, and then I cancel, not "paying" the AF. I was guessing that was the same here, if they give the miles before even the card arrives, why are u keeping the card? Do they claw back? Otherwise, the only real cost here for the 25K is the HP - no? Or do they claw back if you cancel or do not spend the 1K?
People here are milking this as an ongoing source of the most valuable miles out there. The $100 statement credit effectively offset the $75 annual fee and put $25 in your pocket, so why burn the bridge with BofA which operates on a totally different play book than Citi which would not let you repeat the card until 18 months have passed from either open or closure while this is a honey well if both sides play nice.
Mar 24, 2015, 8:05 am
#1457
Join Date: Jun 2013
Posts: 1,060
If your intention is to just crash and burn, this might work for a short while.
People here are milking this as an ongoing source of the most valuable miles out there. The $100 statement credit effectively offset the $75 annual fee and put $25 in your pocket, so why burn the bridge with BofA which operates on a totally different play book than Citi which would not let you repeat the card until 18 months have passed from either open or closure while this is a honey well if both sides play nice.
People here are milking this as an ongoing source of the most valuable miles out there. The $100 statement credit effectively offset the $75 annual fee and put $25 in your pocket, so why burn the bridge with BofA which operates on a totally different play book than Citi which would not let you repeat the card until 18 months have passed from either open or closure while this is a honey well if both sides play nice.
Mar 24, 2015, 8:09 am
#1458
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,756
Read back the thread and you will find there are people keeping cards and there are people cancelling cards - no particular pro or con, all depending on one's own situation and preference. There is a lot of information you can get by reading.
Mar 24, 2015, 11:19 am
#1459
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I've got a hunch that people who are not getting Visa Signature Alaska cards don't have at least three open and reporting credit cards, each with at least $10K limits. I could be completely wrong. It might be helpful if some people could chime in who didn't get the signature card.
What was your third highest credit limit at the time?
What was your total exposure with BoA/FIA cards?
What was your overall utilization rate?
What was your third highest credit limit at the time?
What was your total exposure with BoA/FIA cards?
What was your overall utilization rate?
Nevertheless, 3 times in a row I have gotten instant approvals for an AS Plat. Calling Recon each time, they have no problem upping the CL to a Sig level, and filling out the paperwork to change it to a Sig. This last time I did a 2BM app, the first going directly to a Plat, but the second went pending. Recon took all of maybe 60 seconds to approve the pending one for a Sig with an $8k CL, and increase the CL on the Plat to the $5K required for a Sig.
None of this makes any sense. If Recon will almost instantly approve me for a combined $13K, why am I getting Plat approvals by the computer?
The only possible explanation I've heard is from sdsearch, who said it's because I tend to cancel B of A cards after 3 or 4 months before reapplying, rather than keeping them open and applying for more. BUT, other posters here have said they routinely do that with no problems.
Mar 24, 2015, 11:48 am
#1460
Join Date: Nov 2014
Location: NYC
Posts: 581
After having reduced some CLs on purpose to facilitate instant approvals with Citi and Chase, I still had around 6 open cards with $10K or more CLs. One of which was an AMEX Bus Plat. In addition to a checking account with B of A where I park a large sum of cash for emergency purposes, which haven't happened so it's been just sitting there for several years now. My overall CL Utilization is less than 1 %.
Nevertheless, 3 times in a row I have gotten instant approvals for an AS Plat. Calling Recon each time, they have no problem upping the CL to a Sig level, and filling out the paperwork to change it to a Sig. This last time I did a 2BM app, the first going directly to a Plat, but the second went pending. Recon took all of maybe 60 seconds to approve the pending one for a Sig with an $8k CL, and increase the CL on the Plat to the $5K required for a Sig.
None of this makes any sense. If Recon will almost instantly approve me for a combined $13K, why am I getting Plat approvals by the computer?
The only possible explanation I've heard is from sdsearch, who said it's because I tend to cancel B of A cards after 3 or 4 months before reapplying, rather than keeping them open and applying for more. BUT, other posters here have said they routinely do that with no problems.
Nevertheless, 3 times in a row I have gotten instant approvals for an AS Plat. Calling Recon each time, they have no problem upping the CL to a Sig level, and filling out the paperwork to change it to a Sig. This last time I did a 2BM app, the first going directly to a Plat, but the second went pending. Recon took all of maybe 60 seconds to approve the pending one for a Sig with an $8k CL, and increase the CL on the Plat to the $5K required for a Sig.
None of this makes any sense. If Recon will almost instantly approve me for a combined $13K, why am I getting Plat approvals by the computer?
The only possible explanation I've heard is from sdsearch, who said it's because I tend to cancel B of A cards after 3 or 4 months before reapplying, rather than keeping them open and applying for more. BUT, other posters here have said they routinely do that with no problems.
Mar 24, 2015, 1:54 pm
#1461
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 29,756
success 2BM - one approved by system one approved by rep
2BM 90 min ago. Deferred on both. Checked status online an hour later, one was approved one was pending. Based on prior experiences and everyone else' experience, the second one would be rejected by system as duplicate. Better call on same day to avoid any possible 2nd pull (in case Rep decides to split line - the system would generate a pull without the rep even realized it, happened to my husband last November.)
Called English line, was on hold listening to music for 20 min. Hang up and called Spanish line. Still on hold listening to music but only for 5 min. Rep picked up and I asked Hablas Inglis? She replied, what can I help you?
Are you calling for a card application? Yes, because I wanted 2 cards and the system obviously would reject the 2nd app as duplicate so I figured to give you guys a call.
Found out first card was approved with 15K. She said yes the system closed the 2nd app as duplicate and she reopened it. She was about to move 5K from 1st card and explained Signature required 5K minimum line. Of course I had no issue with that but then she paused and said, you have very good credit and have been our customer, we appreciate your business. I can give you an additional 5K for the 2nd card without moving anything from 1st card, would that be enough line for you? Yes yes, I really dont need big lines as long as both are Signature so I have Signature benefits while I can separate spending for better accounting. She said of course. Took all but 2 minutes for her to finalize things and even arrange for rushing the cards to me at no cost once she learned about I would travel in Mid April.
Refresh status screen, now the 2nd app also showed approved.
Background, last AS was a year ago when we used the AS debit cards aggressively before the program died in May. In Summer I applied an FIA card that was used that card heavily. For the little windows we were at home, I did other banks app because we have a large balance of AS miles from the debit cards. Now we are in waiting period on Chase cards, I turn the focus to miscellaneous cards that includes the AS card.
To prepare for the AS 2BM, I did lower a 123 card line from 13K to 3K in Jan. The 123 is a conversion from Schwab Visa when Schwab sold its card biz to BofA so it is several years old. It retains the 0% forex fee feature from Schwab card, earns the same 2x and 3x when used internationally in the bonus categories. So it is a valuable card for me, but I really dont need the original CL - for example, all gas filled up we had in a just finished trip (12 days car rental in South Africa and 7 days in Turkey) plus grocery shopping were put on 123, still only added up to only $400ish spread between 2 statement cycles. Therefore 3K is more than enough for what the 123 is for. It is used at WalMart Neighborhood Markets a lot too for very smallish purchases mostly are price match buys on produces. Pattern on 123 is frequent usage, smallish amounts. Pattern on FIA is regular usage, fairly large amount single transactions, never smallish amount (so not to confuse the computer!)
I would strongly suggest if you do not get an instant approval, CALL within hours so you can sort out things on the same day. In any case if you are doing a 2bm or more, you would need to call anyway.
Called English line, was on hold listening to music for 20 min. Hang up and called Spanish line. Still on hold listening to music but only for 5 min. Rep picked up and I asked Hablas Inglis? She replied, what can I help you?
Are you calling for a card application? Yes, because I wanted 2 cards and the system obviously would reject the 2nd app as duplicate so I figured to give you guys a call. Found out first card was approved with 15K. She said yes the system closed the 2nd app as duplicate and she reopened it. She was about to move 5K from 1st card and explained Signature required 5K minimum line. Of course I had no issue with that but then she paused and said, you have very good credit and have been our customer, we appreciate your business. I can give you an additional 5K for the 2nd card without moving anything from 1st card, would that be enough line for you? Yes yes, I really dont need big lines as long as both are Signature so I have Signature benefits while I can separate spending for better accounting. She said of course. Took all but 2 minutes for her to finalize things and even arrange for rushing the cards to me at no cost once she learned about I would travel in Mid April.
Refresh status screen, now the 2nd app also showed approved.
Background, last AS was a year ago when we used the AS debit cards aggressively before the program died in May. In Summer I applied an FIA card that was used that card heavily. For the little windows we were at home, I did other banks app because we have a large balance of AS miles from the debit cards. Now we are in waiting period on Chase cards, I turn the focus to miscellaneous cards that includes the AS card.
To prepare for the AS 2BM, I did lower a 123 card line from 13K to 3K in Jan. The 123 is a conversion from Schwab Visa when Schwab sold its card biz to BofA so it is several years old. It retains the 0% forex fee feature from Schwab card, earns the same 2x and 3x when used internationally in the bonus categories. So it is a valuable card for me, but I really dont need the original CL - for example, all gas filled up we had in a just finished trip (12 days car rental in South Africa and 7 days in Turkey) plus grocery shopping were put on 123, still only added up to only $400ish spread between 2 statement cycles. Therefore 3K is more than enough for what the 123 is for. It is used at WalMart Neighborhood Markets a lot too for very smallish purchases mostly are price match buys on produces. Pattern on 123 is frequent usage, smallish amounts. Pattern on FIA is regular usage, fairly large amount single transactions, never smallish amount (so not to confuse the computer!)
I would strongly suggest if you do not get an instant approval, CALL within hours so you can sort out things on the same day. In any case if you are doing a 2bm or more, you would need to call anyway.
Mar 26, 2015, 11:00 am
#1462
Join Date: Aug 2013
Posts: 49
idiotic mistake
So I logged into my Alaska miles account, and used the card link from within my account. Used 2BM to apply for both, then called in to make sure 2nd got unflagged as duplicate. Realized that I used the wrong link and would not be getting the statement credit. Tried to get this matched, but the CSR said she was unable to do so. She canceled my 2nd application and informed me that I would need to reapply using the correct promotion link, and I could get that promotion for the 2nd card, but that she was unable to do anything about the 1st card. Should I call again to try to get the offer matched, or would I have better luck with a secure message? Sorry if this has been answered before. I had no luck with the search.
Mar 26, 2015, 11:24 am
#1463
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
After having reduced some CLs on purpose to facilitate instant approvals with Citi and Chase, I still had around 6 open cards with $10K or more CLs. One of which was an AMEX Bus Plat. In addition to a checking account with B of A where I park a large sum of cash for emergency purposes, which haven't happened so it's been just sitting there for several years now. My overall CL Utilization is less than 1 %.
Nevertheless, 3 times in a row I have gotten instant approvals for an AS Plat. Calling Recon each time, they have no problem upping the CL to a Sig level, and filling out the paperwork to change it to a Sig. This last time I did a 2BM app, the first going directly to a Plat, but the second went pending. Recon took all of maybe 60 seconds to approve the pending one for a Sig with an $8k CL, and increase the CL on the Plat to the $5K required for a Sig.
Nevertheless, 3 times in a row I have gotten instant approvals for an AS Plat. Calling Recon each time, they have no problem upping the CL to a Sig level, and filling out the paperwork to change it to a Sig. This last time I did a 2BM app, the first going directly to a Plat, but the second went pending. Recon took all of maybe 60 seconds to approve the pending one for a Sig with an $8k CL, and increase the CL on the Plat to the $5K required for a Sig.
I must have been saying the wrong things as i HUACA 3 times last time on my 2bm both instant to plat and none would budge to move up to Sig for Sig offer. They did offer to move up the CL but required another pull and still Plat bonus...
Mar 26, 2015, 12:03 pm
#1464
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
It's true that Recon can't just "upgrade" a Plat to a Sig, and maybe they are willing to help me with the petition route due to my 5 figure Savings account, which makes me some sort of VIP with B of A. It's much easier to approve a pending app, which has been set aside as a duplicate, for Sig status, then it is to process the conversion from Plat to Sig. So I think the apply and apply again until you get a pending result is the best way for you to go. Good Luck !
Mar 26, 2015, 12:12 pm
#1465
Join Date: Jan 2013
Programs: Hyatt Glb, MR Plat
Posts: 2,577
This last time it did take 3 calls to get someone who knew how, or was willing, to do the paperwork for me. Next time you apply, bear in mind that no matter how many apps you do for this exact card the same day, you will only get a total of ONE HP. So instead of the 2BM, just do an app, and do another app, etc, until one goes to pending. Then call Recon, and try to talk them into approving you for a Sig, and let them just cancel any apps that got approved for a Plat.
It's true that Recon can't just "upgrade" a Plat to a Sig, and maybe they are willing to help me with the petition route due to my 5 figure Savings account, which makes me some sort of VIP with B of A. It's much easier to approve a pending app, which has been set aside as a duplicate, for Sig status, then it is to process the conversion from Plat to Sig. So I think the apply and apply again until you get a pending result is the best way for you to go. Good Luck !
It's true that Recon can't just "upgrade" a Plat to a Sig, and maybe they are willing to help me with the petition route due to my 5 figure Savings account, which makes me some sort of VIP with B of A. It's much easier to approve a pending app, which has been set aside as a duplicate, for Sig status, then it is to process the conversion from Plat to Sig. So I think the apply and apply again until you get a pending result is the best way for you to go. Good Luck !
As for the merged pulls, I can also confirm my 3 pulls did merge into one last time.
Mar 26, 2015, 3:48 pm
#1466
Join Date: Aug 2013
Posts: 49
So I logged into my Alaska miles account, and used the card link from within my account. Used 2BM to apply for both, then called in to make sure 2nd got unflagged as duplicate. Realized that I used the wrong link and would not be getting the statement credit. Tried to get this matched, but the CSR said she was unable to do so. She canceled my 2nd application and informed me that I would need to reapply using the correct promotion link, and I could get that promotion for the 2nd card, but that she was unable to do anything about the 1st card. Should I call again to try to get the offer matched, or would I have better luck with a secure message? Sorry if this has been answered before. I had no luck with the search.
Mar 29, 2015, 6:53 am
#1467
Join Date: Jun 2012
Posts: 119
I just did a 2BM app. Already have one card. The first was approved with a 12K line. The second went pending. I realized afterwards that I probably shouldn't have done it on Sunday. A couple of questions:
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
Mar 29, 2015, 9:53 am
#1468
Join Date: Sep 2013
Programs: AA Lifetime Gold
Posts: 3,677
I just did a 2BM app. Already have one card. The first was approved with a 12K line. The second went pending. I realized afterwards that I probably shouldn't have done it on Sunday. A couple of questions:
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
Mar 29, 2015, 10:26 am
#1469
Join Date: May 2014
Location: YYZ
Posts: 527
I just did a 2BM app. Already have one card. The first was approved with a 12K line. The second went pending. I realized afterwards that I probably shouldn't have done it on Sunday. A couple of questions:
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
1. Are hard pulls over the weekend "counted" on Monday?
2. Is the best way to avoid a double hard pull to ask the agent to approve the second card without splitting the credit line of the first?
I am overseas and made the mistake of not considering business hours for recon call.
Mar 30, 2015, 6:46 am
#1470
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356