Reference: BOA Biz Recon (Small Biz Lending, Credit Analyst) 888-782-7717, 888-569-4439 (M-F 8am-7pm EST), both answered by live human in 2-4 minutes. (Both numbers confirmed multiple times in the past 2-3 days.)
Not exactly sure why this application (described below) was declined. Past few years I’m invariably at ~20/24 including all biz cards, ~3.5/24 for Chase application purposes.
Generally accepted BOA application/approval rules: 2 BOA cards per 2 months, 3 per 12 months, 4 per 24 months.
My (likely irrelevant) BOA history: 15 year old BOA biz card for Cessna airplane (partner and LLC), 15 years ago applied for a NY Yankees BOA MC in person at Yankee Stadium to get a Yankees blanket and closed the account the day the card was received without activating the card, 2006-2009 BOA AOPA (Aircraft Owners and Pilots Association) MC never used, 2009-2013 BOA AOPA Visa closed due to inactivity.
My relevant BOA history: Only other BOA cards have been Alaska which I’ve churned for 9 years, 17 cards, first 11 personal each closed at 3-6 months (used to be completely acceptable), last 6 biz (to stay under Chase 5/24) each closed at 12.5 months, minimal use of any beyond SUB minimum spend usually on first statement, ~650k Alaska miles earned, 1 Alaska flight during that time. Original goal was Alaska miles to redeem for Emirates award flight but of course that went away a few years ago and I ended up using AA miles for Etihad award flights.
Best laid plans …
Most recent Alaska Biz cards: 9/21-9/22, 3/22-4/23, 8/22-9/23, 6/23-still open, 11/23-still open. 3/22 application was mid-March, thus 24.6 months ago.
Applied a couple of days ago, declined. Called immediately, multiple times with multiple forwarding(s) to get through to recon, learned the numbers above (the hard way). Lovely agent submitted an “exception request” a day or 2 ago, said it would take 3-5 days, called 1 day later on Friday (I’ve had many patients, I have no patience) was told it had been reviewed and (still) declined, I asked why, agent said “velocity”, I asked “too many BOA or too many overall”, she said “Alaska in 24 months”. Plan to apply again in early May.