Originally Posted by Morkai

Denied for 2nd Alaska Air (closed the 1st a week ago). Lowered my BoA credit limits beforehand. I am clear of the 2/3/4 rule.

Called to recon and was told I could submit a reconsideration request - no dice. Was asked about income, investments, and any delinquent credit card payments (none). Was told decision stands based on too many accounts opened recently (I've opened 8 in last 12 mo) and not enough investments with BoA or their affiliates. Income is $145k and investments around $50k.

Interestingly, I was told by someone on Reddit that I could open a BoA checking account, put a couple thousand dollars in it and call recon again. This individual stated they have done this and had their application subsequently approved after initially being denied Has anyone else heard of anything like this?

Alternatively, would it be smarter to open a BoA, park some money in it, keep a clean report for 3-6 months and try again?