Originally Posted by
Gin.Or.Juice
Can someone clarify for me what are the BoA rules for credit card applications?
I was just denied for an Alaska Airlines card due to "to many card accounts opened recently" and the CS rep on the phone could not tell me exactly what "too many" and "recently" exactly mean, but I calculated that I have 5 cards opened in the last 12 months and 9 (including the previous 5) in the last 24 months. None of the cards have been opened on BoA.
Since BofA has not explained those* rules to
anyone, we don't know. We also don't know if (and may have to reason to suspect that) the rules may not be fixed, in that they may either change from one applicant to the next, and/or change over time (which would make hard to figure out the rules from just datapoints, but we'd need
lots more detailed datapoints to do that).
* The only rules that BofA has explained to anyone are
the 2/3/4 rules for counting BofA cards, but you said you opened no applied for no other BofA cards and thus the 2/3/4 rule wouldn't apply to you.