FlyerTalk Forums - View Single Post - For CC apps are FIA and BoA cards the same?
Old Apr 13, 2014 | 6:09 pm
  #5  
Happy
FlyerTalk Evangelist
All eyes on you!
20 Years on Site
 
Join Date: Jul 2003
Location: Florida
Posts: 30,343
Originally Posted by sexykitten7
FIA is actually a separate entity wrt hard pulls. This means that same day BoA and FIA apps will not be consolidated into 1 inquiry.
Correct. However FIA credit analyst or BofA credit analyst would be able to see ALL the cards associated to your SSN. They could, and would, go in arbitrarily to reallocate credit line or even close an inactive card in order to approve a new card WITHOUT your knowledge. Therefore it could produce a danger that if you apply for an AS Visa Signature but wound up getting a Visa Platinum, hence a drastically reduced bonus (25 to 30K versus 4K).

Therefore, it is important for yourself to manage the total credit line with BofA - reduce the credit line on cards you dont use often and not need a high CL, to the $5K minimum for a Visa signature, so not to jeopardize your next application on another BofA or FIA card.
Happy is offline