Mar 12, 2014, 3:53 pm
Last edit by: muji
As an additional resource for these cards see this thread: Alaska Airlines Visa
PERSONAL CARDS
30k mile offer, $75 AF, $1k spend: https://www.bankofamerica.com/credit...s-credit-card/
+2k miles if done with onboard paper application
30k mile offer with $100 credit and fee for companion ticket waived the first year, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4020594
link no longer working
30k mile offer with $100 credit, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4009277
link no longer working
If you are applying for a personal Alaska card, and are not an expert on applying for Alaska cards STOP, don't apply yet.
Instead, read this post. Doing that first may save you a huge amount of wasted time and frustration.
A few people in the Alaska Airlines forum have in the past received personally targeted, single-use links for a 50k offer
when they opt-in to "Partner Offers" in their Mileage Plan account preferences.
=======================================
BUSINESS CARDS
30k mile offer, $75 AF, $1k spend, no foreign transaction fees:
https://www.bankofamerica.com/smallb...-credit-card//
Note: There are two different earning formats for the business card, which you choose when you apply:
To avoid billing confusion later, make sure you choose the Individual Level Earning Plan if you are not going to have employee cards under the same account as your account.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
------------------------------------------------------------------------------------
Reconsideration # (for personal cards):
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
1-866-811-4108 from the Alaska Airlines Visa thread post 949
Business card Recon Line:
866-695-6598 (8-7 EST M-F from what I was told)
Biz card status line: 888 663 6262
Biz Card credit analyst line: 877 665 5022, 877 665 5023 (seems to be non-working number)
Check application status online here:
https://www.bankofamerica.com/credit...status-form.go
------------------------------------------------------------------------------------
Credit Enquiries for Personal cards come from BofA. Enquiries for business cards come from FIA. Credit bureaus usually merge enquiries from the same requester made on the same day. Enquiries from BofA and FIA will not be merged.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
.................................................. .................
PERSONAL CARDS
30k mile offer, $75 AF, $1k spend: https://www.bankofamerica.com/credit...s-credit-card/
+2k miles if done with onboard paper application
30k mile offer with $100 credit and fee for companion ticket waived the first year, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4020594
link no longer working
30k mile offer with $100 credit, $75 AF, $1k spend: https://secure.bankofamerica.com/app...aignid=4009277
link no longer working
If you are applying for a personal Alaska card, and are not an expert on applying for Alaska cards STOP, don't apply yet.
Instead, read this post. Doing that first may save you a huge amount of wasted time and frustration.
A few people in the Alaska Airlines forum have in the past received personally targeted, single-use links for a 50k offer
when they opt-in to "Partner Offers" in their Mileage Plan account preferences.
=======================================
BUSINESS CARDS
30k mile offer, $75 AF, $1k spend, no foreign transaction fees:
https://www.bankofamerica.com/smallb...-credit-card//
Note: There are two different earning formats for the business card, which you choose when you apply:
- $50 per company, $25 per card (Business Level Earning Plan)
- $0 per company, $75 per card (Individual Level Earning Plan)
To avoid billing confusion later, make sure you choose the Individual Level Earning Plan if you are not going to have employee cards under the same account as your account.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
------------------------------------------------------------------------------------
Reconsideration # (for personal cards):
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
1-866-811-4108 from the Alaska Airlines Visa thread post 949
Business card Recon Line:
866-695-6598 (8-7 EST M-F from what I was told)
Biz card status line: 888 663 6262
Biz Card credit analyst line: 877 665 5022, 877 665 5023 (seems to be non-working number)
Check application status online here:
https://www.bankofamerica.com/credit...status-form.go
------------------------------------------------------------------------------------
Credit Enquiries for Personal cards come from BofA. Enquiries for business cards come from FIA. Credit bureaus usually merge enquiries from the same requester made on the same day. Enquiries from BofA and FIA will not be merged.
When do the initial bonus miles post? You will get the miles after the statement closes for the cycle in which you meet your minimum spend. Usually AS points show up the Sunday evening after your statement closes, but sometimes it takes an additional week.
If there's a statement credit, when does it post?
It seems to be batch-processed. It will post automatically. Can be on the same statement or the next statement. It does not appear to be based on the statement close date.
.................................................. .................
Alaska Airlines card offers, Personal & Business [2012-2016]
Apr 24, 2016, 9:19 am
#3301
Join Date: Apr 2004
Location: CA
Posts: 1,302
How would you define a lot sooner?
I had to lower cl on others bo cards in order to get them to approve me with 5k CL and that happened overnight.
I had to lower cl on others bo cards in order to get them to approve me with 5k CL and that happened overnight.
More important than cancelling at this point is reducing your credit limit, especially if you've mostly stopped using the card, ASAP. Right now that matters, but cancelling doesn't.
At present, there is no need to cancel, and we don't know if with the new offer it'll be better to cancel or not cancel (at Citi, for example, cancelling is much worse than holding on to the card, while at Chase it's the exact opposite).
Even if you're going to cancel soon, first you want to lower the credit limit and then wait a bit. Credit limit that's lowered on an existing card is available for new applications a lot sooner than credit limit from a cancelled card.
At present, there is no need to cancel, and we don't know if with the new offer it'll be better to cancel or not cancel (at Citi, for example, cancelling is much worse than holding on to the card, while at Chase it's the exact opposite).
Even if you're going to cancel soon, first you want to lower the credit limit and then wait a bit. Credit limit that's lowered on an existing card is available for new applications a lot sooner than credit limit from a cancelled card.
Apr 24, 2016, 10:01 am
#3302
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
I wouldn't. We don't have enough data points to put a hard definition on it. Plus we don't know if it's constant; for example, it could be done via a periodically-scheduled "sweep" rather than a fixed amount of days after you close the card.
The best strategy is simply to lower the CL on each card as soon as you can, rather than trying to time it backwards from the next planned application.
Here's my thinking: If you plan to spend not much more than $1k a month (all the required spend for the $100 credit in one month plus annual fee right now), you can certainly get by with $3600 of CL, so if they gave you much more than that, you can lower it immediately after you get the card. If you plane to spend not much more than $2k a month (all the required spend for the 30k bonus in one month after June 1), you can certainly get by with $7k of CL. (This based on no impact to credit score as long as you keep the utilization on each card below 30% of that card's CL. 30% of $3600 is $1080; $30% of $7k is $2100.)
And this general strategy works for most (if not all) banks. Trying to time it exactly, though, is specific to each bank (and that's why it's much harder to figure out, since the banks don't publish the data).
Meanwhile, as I reported upthread a few weeks ago, sometimes BofA makes mistakes and accidentally issues you way less credit limit that they should have. So that means you can't use just one anecdote to figure out how the timing works. (Plus, as I just mentioned above, some banks do various things via periodically-timed "sweeps", and an in that case, one anecdote or even two or even three don't necessarily establish true timing.)
The best strategy is simply to lower the CL on each card as soon as you can, rather than trying to time it backwards from the next planned application.
Here's my thinking: If you plan to spend not much more than $1k a month (all the required spend for the $100 credit in one month plus annual fee right now), you can certainly get by with $3600 of CL, so if they gave you much more than that, you can lower it immediately after you get the card. If you plane to spend not much more than $2k a month (all the required spend for the 30k bonus in one month after June 1), you can certainly get by with $7k of CL. (This based on no impact to credit score as long as you keep the utilization on each card below 30% of that card's CL. 30% of $3600 is $1080; $30% of $7k is $2100.)
And this general strategy works for most (if not all) banks. Trying to time it exactly, though, is specific to each bank (and that's why it's much harder to figure out, since the banks don't publish the data).
Meanwhile, as I reported upthread a few weeks ago, sometimes BofA makes mistakes and accidentally issues you way less credit limit that they should have. So that means you can't use just one anecdote to figure out how the timing works. (Plus, as I just mentioned above, some banks do various things via periodically-timed "sweeps", and an in that case, one anecdote or even two or even three don't necessarily establish true timing.)
Apr 24, 2016, 10:11 am
#3303
Join Date: Sep 2015
Posts: 305
How many CCs they would issue you (if one applies every 90 days or so) before they deny due to "too many of the same CCs opened" ?
In other words - how many it's safe to keep open, and at what number you should start closing them (to be able to apply again)?
I realize there might not be some magic number, but wonder if there is any datapoint someone can comment on?
In other words - how many it's safe to keep open, and at what number you should start closing them (to be able to apply again)?
I realize there might not be some magic number, but wonder if there is any datapoint someone can comment on?
Apr 24, 2016, 8:18 pm
#3304
Join Date: Aug 2011
Posts: 94
Anyone have a recent data point on whether you can still apply for either 2 persona; or 1 personal, 1 business Alaska card at the same time through two browser. I have never had a bank of america credit card.
Apr 24, 2016, 8:22 pm
#3305
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
How many CCs they would issue you (if one applies every 90 days or so) before they deny due to "too many of the same CCs opened" ?
In other words - how many it's safe to keep open, and at what number you should start closing them (to be able to apply again)?
I realize there might not be some magic number, but wonder if there is any datapoint someone can comment on?
In other words - how many it's safe to keep open, and at what number you should start closing them (to be able to apply again)?
I realize there might not be some magic number, but wonder if there is any datapoint someone can comment on?
Having said that, we don't know if that's going change June 1 along with the way the bonus is earned changing. The fact that changes are coming around June 1 has been announced, but every detail of those changes has not been announced.
Apr 25, 2016, 8:57 am
#3306
Join Date: Jul 2013
Posts: 1,784
I understand there are solid data points on not having 3 open, just not sure if there are solid data points on having 2 open having zero negative consequences.
I'll have a 2 week window in late May where it will be more than 90 days since my last AS app. And with the T/Cs of the new June app being a complete unknown, I want to make sure I get another card issue before then.
Last edited by RobertHanson; Apr 25, 2016 at 9:13 am
Apr 25, 2016, 9:04 am
#3307
Join Date: May 2014
Location: Dayton, OH
Programs: CarlsonGold,HHDiamond, SPGGold,ChoiceGold, *Silver, WNCompanionPass, ASMVPGold, HyattDiamond,IHGPlat
Posts: 255
Alaska Biz - 30k, too?
Anybody know if the May 1st increase to 30k signup bonus will apply to the Business Card as well?
Anybody have a history of getting a "bonus points match" from BoA?
Anybody have a history of getting a "bonus points match" from BoA?
Apr 25, 2016, 4:35 pm
#3308
Join Date: Apr 2016
Posts: 13
More important than cancelling at this point is reducing your credit limit, especially if you've mostly stopped using the card, ASAP. Right now that matters, but cancelling doesn't.
At present, there is no need to cancel, and we don't know if with the new offer it'll be better to cancel or not cancel (at Citi, for example, cancelling is much worse than holding on to the card, while at Chase it's the exact opposite).
Even if you're going to cancel soon, first you want to lower the credit limit and then wait a bit. Credit limit that's lowered on an existing card is available for new applications a lot sooner than credit limit from a cancelled card.
At present, there is no need to cancel, and we don't know if with the new offer it'll be better to cancel or not cancel (at Citi, for example, cancelling is much worse than holding on to the card, while at Chase it's the exact opposite).
Even if you're going to cancel soon, first you want to lower the credit limit and then wait a bit. Credit limit that's lowered on an existing card is available for new applications a lot sooner than credit limit from a cancelled card.
I lowered my CL on both personal ($17k to $7k) and business ($10k to $7k) cards a couple weeks ago.
I guess I won't cancel any of the cards just yet but I will apply for another personal before the 30k version.
I know there are no definite answers but you think it'll be safe to apply in like a month (end of May) without canceling any cards?
Apr 25, 2016, 8:09 pm
#3309
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,932
Are there solid data points on having 2 personal cards open not having any effect on being approved for a third personal?
I understand there are solid data points on not having 3 open, just not sure if there are solid data points on having 2 open having zero negative consequences.
I understand there are solid data points on not having 3 open, just not sure if there are solid data points on having 2 open having zero negative consequences.
Aside from any issues having to do with excess CL (that you didn't reduce), I don't know of any to date of having 2 open when applying for a third.
I've certainly done it several times myself, and could not "detect" any negative consequences. (The only time I've had a problem was a month or so ago when BofA made a mistake which they admitted the next business day, and issued my way less CL on a new card than they should have. But even that seemed unrelated to how many open cards I had, it was just some sort of CL computation mistake.)
Apr 26, 2016, 12:32 pm
#3310
Join Date: Jan 2015
Location: DC
Posts: 189
They told me they didn't see the promotion and would "investigate this" and follow back up in a few days. Anyone have any luck with this? What a bummer.
Last edited by jayoxd; Apr 26, 2016 at 12:38 pm
Apr 26, 2016, 1:49 pm
#3311
Join Date: Mar 2003
Location: EWR Ionosphere Club, LAX Clipper Club, Still Traveling Global, yearly BIS miles
Programs: EAL Silver Wings, I-Club, Flying Colonels DL, WorldPass PLat from the olde Meatball and PE SMARTbank
Posts: 1,986
same thing happened to me, I called them several times. Talked to BofA, HUCB, even transferred to AK MP many times. I had 2 cards, neither one could confirm the 100 bonus, on one I spent the 1K, and got the bonus the other I didn't and didnt get the bonus. Same thing happened to a friend of mine, he spend the 1K even thought they couldn't see the 100 bonus. And with 2 cards, got both 100 each.
rest assured, go ahead spend the 1K and you will get the bonus.
The highest levels are "One Call" center but they are not allowed to talk to customers and you cannot talk to them directly. However, even in this case they cannot help.
Last edited by frank_10b; Apr 26, 2016 at 2:07 pm
Apr 26, 2016, 2:59 pm
#3312
Join Date: Jan 2015
Location: DC
Posts: 189
If this is about the 100 bonus, you are wasting your time.
same thing happened to me, I called them several times. Talked to BofA, HUCB, even transferred to AK MP many times. I had 2 cards, neither one could confirm the 100 bonus, on one I spent the 1K, and got the bonus the other I didn't and didnt get the bonus. Same thing happened to a friend of mine, he spend the 1K even thought they couldn't see the 100 bonus. And with 2 cards, got both 100 each.
rest assured, go ahead spend the 1K and you will get the bonus.
The highest levels are "One Call" center but they are not allowed to talk to customers and you cannot talk to them directly. However, even in this case they cannot help.
same thing happened to me, I called them several times. Talked to BofA, HUCB, even transferred to AK MP many times. I had 2 cards, neither one could confirm the 100 bonus, on one I spent the 1K, and got the bonus the other I didn't and didnt get the bonus. Same thing happened to a friend of mine, he spend the 1K even thought they couldn't see the 100 bonus. And with 2 cards, got both 100 each.
rest assured, go ahead spend the 1K and you will get the bonus.
The highest levels are "One Call" center but they are not allowed to talk to customers and you cannot talk to them directly. However, even in this case they cannot help.
Thank you!
Apr 27, 2016, 9:21 am
#3313
Join Date: Mar 2007
Posts: 65
I have 4 AS personal cards
application dates:
20apr15
13aug15
15jan16
14apr16
I don't remember the credit limits that were initially allotted, but i SMd to lower to 2-3K on each card. 14apr16 application was closed as a dup because it was within the 90 day period of the 15jan16 app, but i called and was approved for 18K.
application dates:
20apr15
13aug15
15jan16
14apr16
I don't remember the credit limits that were initially allotted, but i SMd to lower to 2-3K on each card. 14apr16 application was closed as a dup because it was within the 90 day period of the 15jan16 app, but i called and was approved for 18K.
Last edited by pokeygirl; Apr 27, 2016 at 12:11 pm Reason: yes, i meant AS not AA....
