FlyerTalk Forums - View Single Post - Bank of America Alaska Airlines card (2017 - 2024)
Old Mar 29, 2018 | 7:36 pm
  #951  
sdsearch
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Originally Posted by jiaogulan
AND she saw I had just got another business credit card (CitiBusiness AA card).

Maybe I am naive, or at least new to business cards, but I was not expecting them to see I had just got a new business card. Everything these days is recorded, but still, I guess I had it in my mind that business cards kinda skirt by (Chase 5/24 had this on my mind) but ..... obviously not with BoA!
You're getting two things confused. In normal credit applications (personal or business), to evaluate your credit, only the consumer bureaus (TU/EX/EQ) tend to be checked.

But you were on a call with a human who was manually checking after talking to you. Well, there are a couple business card credit bureaus out there that business credit cards report to, it's just that: (a) banks don't tend to check them automatically, but can do so manually, and (b) they aren't known to most people, and (c) you can't necessarily get easy access to them as a cardholder the way you can to TU/EX/EQ. It was probably because of the answers you gave that this agent decided to check the business credit bureaus; it doesn't prove that BofA routinely checks that for all business card applications, it just proves that they can if they want to (and any bank can if they want to).

And, in case you're unaware, the big difference with Chase is not what they do on a call, it's that they ask you to call as opposed to BofA calling you. People who know the best ways of dealing with Chase know to never call back when asked on a business card application (because you're likely to get a grilling about your business that gets you denial), and just ignore it (especially as often they approve you if you don't call, whereas your chances of being denied go way up if you do call).

So just because you happened to run into this at BofA doesn't really prove that much about differences between BofA and Chase, except that BofA can call you, so I guess be careful about picking your phone if you've applied for a BofA business card!
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