Data point

Have had 9 Alaska cards (both business and personal) over the last 6 years, with my last one being opened 4/18 (closed 7/18).

Applied today for 40k personal card, instant denial. 831 credit score, mid $100s income, no debt other than student loans and only one card application this year (CSR - approved) and one in 2018.

Any thoughts on why an instant denial? Never seen that from BOA.

EDIT - appears I missed the 24 month language. Guess I need to wait.