P2 was just declined as well, but prefers not to make recon calls. So, we will have to wait for the letter. Hoping it's similar to the others that it will just be a verification request. We have several joint BofA bank accounts but P2 has not had any BofA credit cards in a few years. Presently, 3/12 and 800+ credit score, so it was surprising to see the decline. I have not yet applied since I'm waiting to drop to 6/12, which will happen in about 10 days.