UPDATE: Fixed via recon. @FlyerAVL, you were correct. Thanks a lot!!! They just didn't believe that I had actually made the application. Details
here.
Just got denied for BofA CCR (Susan G Komen version).
- I will try recon but I'm not sure that's possible. I've got a list of numbers to try. I'll come back and let you know how it goes.
- I would love to hear any advice you have.
- Instant denial. Message:
"Unfortunately, we're unable to approve your credit card application at this time. A letter has been mailed explaining the reasons for our decision which entitles you to a free copy of your credit report. As a result of our decision, any balance transfer requests included with your credit application will not be processed." Decision date = 7/4/2024.
My plan:- Call a bunch of recon numbers. Tell them I'm an existing Merrill Edge customer.
- Call Merrill Edge and ask whether they can help me out.
- Wait.
Details:- I just applied for another card yesterday. See here.
- I don't think this matters, but y'all are the experts, not me. Yesterday's card pulled TransUnion and not Experian. I think today's card pulled Experian and not TransUnion.
- Bank stuff:
- Existing relationship with Merrill Edge (2 years, 1k balance). I don't think they detected this.
- No banking relationship with Bank of America.
- My occupation wasn't listed in the available choices so I picked something close. Maybe that spooked them? Not sure.
- I think they only tried to pull Experian, but maybe they also tried to pull TransUnion which was frozen. Maybe they tried to pull Equifax; I don't think yesterday's card pulled Equifax but it's possible.
- No identity documents requested.
- Credit stuff:
- New accounts: 0/6, 2/12, 4/24 (not including the card I got yesterday, not yet activated/set up/reporting)
- Age (not including yesterday's card):
- Inquiries:
- Pulled Experian.
- TransUnion was frozen. I don't know whether they tried to pull it.
- Equifax was maybe pulled, I don't think so. I think CK will tell me tomorrow and I'll update.
- TransUnion: 1/6, 2/12 (including yesterday's card)
- Equifax: 0/6, 2/12
- Experian: 0/6, 2/12
- All bureaus combined: 0/6, 3/12
- Income between 100k and 150k/year, rent 700/month.
- Utilization: 1%
- No bad stuff
This one's not a big deal for me. My basic setup is built; I don't anticipate qualifying for preferred rewards for at least a year; and I don't have any cards on my radar that appear to pull Experian very often. Heavily skewed towards TransUnion.