Last edit by: rxgeek
Bank of America Reconsideration phone numbers
1-888-663-6262 (auto line, option 3 for recent apps)
877-665-5020, 877-261-3494 (Business apps to reach a person. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.)
877-665-5020, 877-261-3494 (Business apps to reach a person. Calling between 6 pm and 7 pm Eastern time may have shorter wait times.)
1-800-354-0401 (8-7pm EST M-F) STILL working for personal apps 9/25/17
1-877-721-9405 (auto line, option 3 for recent apps)
from posts #113 and 122: 1-866-224-7803 (no longer active)
from post #92: 1-888-221-6262 (no longer active)
Bank of America Reconsideration?
#181
Join Date: Jun 2017
Posts: 17
Can someone clarify for me what are the BoA rules for credit card applications?
I was just denied for an Alaska Airlines card due to "to many card accounts opened recently" and the CS rep on the phone could not tell me exactly what "too many" and "recently" exactly mean, but I calculated that I have 5 cards opened in the last 12 months and 9 (including the previous 5) in the last 24 months. None of the cards have been opened on BoA.
I was just denied for an Alaska Airlines card due to "to many card accounts opened recently" and the CS rep on the phone could not tell me exactly what "too many" and "recently" exactly mean, but I calculated that I have 5 cards opened in the last 12 months and 9 (including the previous 5) in the last 24 months. None of the cards have been opened on BoA.
#182
Join Date: Nov 2009
Location: PDX
Programs: Don't think it matters...
Posts: 5,240
Update
I don't see what you can lose other than your time (and maybe your sanity? ) by calling for another recon on the same application in a month or so. Whether it'll do any good or not, I have no idea.
And it might make a good datapoint if nothing else! ("I was denied for opening 4 cards in the previous 6 months, and then I was <whiichevered> when it became 3 cards in the previous 6 months.)
And it might make a good datapoint if nothing else! ("I was denied for opening 4 cards in the previous 6 months, and then I was <whiichevered> when it became 3 cards in the previous 6 months.)
#183
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Can someone clarify for me what are the BoA rules for credit card applications?
I was just denied for an Alaska Airlines card due to "to many card accounts opened recently" and the CS rep on the phone could not tell me exactly what "too many" and "recently" exactly mean, but I calculated that I have 5 cards opened in the last 12 months and 9 (including the previous 5) in the last 24 months. None of the cards have been opened on BoA.
I was just denied for an Alaska Airlines card due to "to many card accounts opened recently" and the CS rep on the phone could not tell me exactly what "too many" and "recently" exactly mean, but I calculated that I have 5 cards opened in the last 12 months and 9 (including the previous 5) in the last 24 months. None of the cards have been opened on BoA.
* The only rules that BofA has explained to anyone are the 2/3/4 rules for counting BofA cards, but you said you opened no applied for no other BofA cards and thus the 2/3/4 rule wouldn't apply to you.
#184
Join Date: Jun 2016
Posts: 167
Denied for 2nd Alaska Air (closed the 1st a week ago). Lowered my BoA credit limits beforehand. I am clear of the 2/3/4 rule.
Called to recon and was told I could submit a reconsideration request - no dice. Was asked about income, investments, and any delinquent credit card payments (none). Was told decision stands based on too many accounts opened recently (I've opened 8 in last 12 mo) and not enough investments with BoA or their affiliates. Income is $145k and investments around $50k.
Interestingly, I was told by someone on Reddit that I could open a BoA checking account, put a couple thousand dollars in it and call recon again. This individual stated they have done this and had their application subsequently approved after initially being denied Has anyone else heard of anything like this?
Alternatively, would it be smarter to open a BoA, park some money in it, keep a clean report for 3-6 months and try again?
Called to recon and was told I could submit a reconsideration request - no dice. Was asked about income, investments, and any delinquent credit card payments (none). Was told decision stands based on too many accounts opened recently (I've opened 8 in last 12 mo) and not enough investments with BoA or their affiliates. Income is $145k and investments around $50k.
Interestingly, I was told by someone on Reddit that I could open a BoA checking account, put a couple thousand dollars in it and call recon again. This individual stated they have done this and had their application subsequently approved after initially being denied Has anyone else heard of anything like this?
Alternatively, would it be smarter to open a BoA, park some money in it, keep a clean report for 3-6 months and try again?
#186
Join Date: Jul 2009
Location: SEA
Posts: 2,556
#188
FlyerTalk Evangelist
Join Date: Mar 2010
Programs: DL, OZ, AC, AS, AA, BA, Hilton, Hyatt, Marriott, IHG
Posts: 19,902
#191
formerly atomicfront
Join Date: Sep 2013
Posts: 171
Is there a way to check the status of a Business BOA application? I applied yesterday morning for Cash Rewards Business and it went pending. Only other BOA account I have is Premier Rewards with 25k limit I got in March.
#192
Join Date: Aug 2017
Posts: 22
I apply for BOA premium rewards and Alaska cc. At first declined for both, but later on decide to approve me for BOA premium rewards for too many accounts. I am well aware of the 2/3/4 rule. They need to be clear of "too many"
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
#193
Join Date: Oct 2011
Posts: 4,166
I apply for BOA premium rewards and Alaska cc. At first declined for both, but later on decide to approve me for BOA premium rewards for too many accounts. I am well aware of the 2/3/4 rule. They need to be clear of "too many"
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
#194
Join Date: Jul 2005
Programs: Hilton Diamond, Starwood Platinum, AA, SW, Delta
Posts: 885
I apply for BOA premium rewards and Alaska cc. At first declined for both, but later on decide to approve me for BOA premium rewards for too many accounts. I am well aware of the 2/3/4 rule. They need to be clear of "too many"
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
Also a plat honors client. Every time i went to branch, they solicited me to apply for Alaska, so it just doesn't make sense. I am going to deposit my $ with other banks from now since they don't value the banking relationship that much.
#195
Join Date: May 2006
Location: Melbourne, Florida, USA
Posts: 2,983
Any working live rep phone numbers other than 800-354-0401?
They are refusing to pull Equifax due to the breach. I have Experian and Transunion frozen. I could unfreeze them but I am trying to keep them as clean as possible.
They are refusing to pull Equifax due to the breach. I have Experian and Transunion frozen. I could unfreeze them but I am trying to keep them as clean as possible.