Originally Posted by ThirdCultureKid

Has anyone here successfully applied for a Bank of America Flying Blue Visa with a relatively young US credit profile and an ITIN (no SSN)?

Last year I was declined for a BofA Customized Cash card because I only had an Amex charge card at the time I think (reasons were “did not have sufficient established revolving credit accounts,” “low credit limits,” etc.). Since August 2025 I have an Amex Bonvoy Brilliant with a USD 25k credit line, very low utilization, and perfect payment history. I have also banked with BoFA for about two years.

My score is around the mid-700s, but my only revolving card is still under a year old. Would you recommend waiting until the Bonvoy card is 9–12 months old before applying, or does the existing BofA banking relationship materially improve approval odds?