BofA credit managers love to do business. You will be well served by these professionals. I'll tell you why: I wanted to buy as many BofA Hawaiian Miles Visa accounts as I could, so I called BofA and spoke with one of their credit managers and said: "I consider your $50 annual fee for 10k HAMiles a tremendous value. How can I buy more than one? I want to buy 10 right now. Can I send you $500 dollars for 10 accounts and 100k HAMiles right now? Can I send you $5,000 for a million HAMiles right now?" He said "You may hold as many accounts as you want, opened one at a time, each receiving the bonus miles for payment of the annual fee. Just wait 30 days after approval before applying for the next. Happy to do business with you."