Originally Posted by
cce5858
Something strange recently with BofA. Applied for Alaska personal, denied, recon also denied. Applied for Alaska Business, denied, recon also denied. Then applied for BofA Travel Rewards today, instant denied, recon also denied. FICO is 815, have BofA accounts and Merryl Lynch accounts with them since 2008. They said they don't look at FICO for approvals, and that I had 13 inquiries in the past year. Also said I have too many accounts newly opened less than a year old. Not sure if I am the only one here hitting a wall with BofA.
Last approval was the BofA Personal with $100 credit opened in January 13, 2017. That one was instantly approved for $9000. I hit spend the first day, paid it off right when the $100 credit posted the following week and immediatly lowered the limit to $200.
But when did you
close it?
BofA no longer approves you for another personal AS card if you still have the previous open (or if you closed it "too recently", as in the past day or two).
So if you still have the one from January 13 open (or closed it the day before you applied for the new one), that's why you were denied for the personal.
And trying for 3 cards, one at a time? That's 3 inquiries I bet. Which just makes it worse for you the next time! Why so desperate to get
any card with BofA so quickly (I understand AS, but BofA Travel Rewards?). Each try would have had less chance of success because it counted the additional pull from the previous try!