Originally Posted by hurnik

Where's this new restriction? …

Originally Posted by bigshooter

Can you share more details on this?... .

Originally Posted by Dr Jabadski

(4/6/24) 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.
…
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.

Originally Posted by Dr Jabadski

(6/3/24) Based in part on uncertainty regarding the declined application above and exact 24 month restrictions (all BOA, Alaska only), I applied again yesterday (Sunday), “unable to approve”. Called 888-569-4439 this morning, answered immediately by (very nice) live human being. First call disconnected after a few minutes, immediate 2 HUCAs (each answered immediately by human) to get the same agent again.

He said Alaska Airlines has started a new limitation of 2 Alaska Airlines cards per 24 months from approval date, unsure of possible mix of personal and business. They cannot override that limitation, it’s from Alaska Airlines.

Originally Posted by Dr Jabadski

(12/27/24) Both Barclay’s (Hawaiian cards) and BOA (Alaska cards) now have relatively strict “anti-churning” policies. I know, I learned the hard way .

BOA/Alaska: 17 cards past 9 years, including 2 each in 2021 and 2022 and 2023 and non-negotiable declines in April 2024 and June 2024. Was told during 2024 unsuccessful recon calls that BOA had changed from 2/3/4 (2 cards in 2 months and 3 cards in 12 months and 4 cards in 24 months) to max 2 Alaska (?biz/pers) cards in 24 months from approval…