nkp46

applied for another one for my spouse, and got 2900 CL.
then applied again, got denied due to duplicate applicaiton

called to ask for approval for the second application, denied, so I canceled the first application.

I guess hard to argue again. If I apply for another BoA card, like Better balance rewards, will all the hard pulls combined?

tassojunior

oops!

Superorb

This is the Alaska Airlines thread

sdsearch

Read a few posts above yours. People who keep cancelling cards that get low CLs are finding that the counts against them for a quite a while after that in new applications. (The CL from a cancelled account apparently is not available to new cards for a year or more at BofA, based on one of the posts from the past day or two.)

So if keep applying, keep getting low CL, and then cancelling, then stop applying, or it'll never end!

With all this in mind, it seems much better, when getting a card with low CL, to recon and see if there's any way (including moving credit from another BofA card you still have open) to get it raised up to $5k CL, and start the two month process to elevate it to a Signature. That may be an annoying process, but apparently it's a better-long term process than constantly cancelling cards that get too low a CL.

mrtimo

Anybody know if I can book a companion ticket, but get separate receipts (so that I can be reimbursed from my work etc.)?

aza72

The Alaska receipt email breaks it down as total for pax 1, and total for pax 2. Where pax1 is the full price and pax 2 is the discounted amount. Would that be enough for reimbursement?

hiima

That and the charges are separate in credit card, so you can try with statement too.

michael_v

How about lowering credit limit to $500 and then cancelling?

sdsearch

I'm not sure if they'll let you lower the credit limit to just $500. (I don't know what the minimum is for a BofA Plat, but it's at least $1k for a BofA Signature, maybe even more.)

I'm also not sure how long you have to wait after lowering the credit limit to cancel (to make sure the lowered credit limit will be reflected after cancelling). Probably not on the same call, probably at least a day later. (I've always left at least one week between lowering credit limit and cancelling.)

frank_10b

are biz and personel HP combined?

Superorb

Thanks for reminding me, I need to lower the limits on two AS cards before applying for a new one and then canceling the two year old cards where the AF just posted for both.

muji

I always get the credit limit lowered right away once I get a new credit card,
to get it out of the way, to not forget to do so - then I'm all set when it's time for a new application.

sdsearch

I may need a bit more credit limit while doing the required minimum spend (especially if doing it all in one month) than I would ever need later. So that's why I tend to wait until I'm done with the minimum spend. (My experience is that it's better to keep your per-car utilization to no more than 30%, so if doing the $1000ish spend all in one month, you might need about $3500 CL. But you could lower it half of that with on issues if you lower it after you're done with that.

Of course, that brings up the question: Has anyone ever successfully lowered the CL on one card twice, once to something "reasonable" upon activation and then a second time to something "as low as possible" after completing the minimum spend? I don't know offhand if that's possible or not at BofA (within the first year).

muji

By coincidence, I did that very thing just today. Lowered the credit limits on my four BofAm cards.

Can't recall the initial credit limits I got on these cards, but probably something like $10-11k per card. After I activated each card (this was over a period of the past 2-6 months), I got the limits down to $5,000 per card, and just today lowered them to $3,000 per card.

joneskander

A question to everybody. I applied two BOA Alaska visa signature cards about 2 months ago with the 30k points offer. One card was approved immediately and the other was approved a few days later after a call. Both cards have the same Alaska reward account # that was automatically created by BOA. For the 1st card, I received the spending points at the 1st statement and both the spending and the bonus points at the second statement. For both times, the points were posted to my Alaska reward account the same day as the credit card statement dates. For the 2nd card, I received the spending points at the 1st statement (posted at the same day). On the 2nd statement, it shows I have earned both the spending points and the bonus points. However, it is already a week after the 2nd statement date and I have not seen any point posted to my Alaska reward account. Anybody has similar experience? Is it because I have two new cards associated with the same Alaska reward account so that they won't issue the 2nd bonus to my account (even though the points are shown on my statement)? Thanks.