joey78

Only 1 hard pull and it was through Experian.

ekartash

Have 3 cards (2 personal, 1 business) from last year. Just applied for a personal (instantly approved) and business (review).

Happy

How would I know BofA Recon closed all weekend? You dont expect others to figure out the operation hours for you, do you?

I already said, WHY would you apply a card on a Friday evening? implying that there might not be recon for the weekend.

I am offering you an advice based on the possibility if the card is being approved a few hours later with a Platinum card (happened to someone in the upthread pages ago) then you are setting yourself up for a lot of trouble to get it changed to Signature.

It is up to you to figure that out what means "a few hours" and why people suggest to call when it is pending. Unless of course if you are very confident that you would get a Signature card, then you dont even need to call, just wait it out and hope you would not be approved with a Plat card with a high CL but still a Plat card therefore DISQUALIFY you for the 25K bonus. Your choice.

Happy

There were at least one, if not two, 3bm upthread, though they were 2 personal 1 business. Yours are 3 personals, correct?

The credit inquiry information is interesting - because there does not seem to have second pull on the recon and there is reallocation done. Also the mail "asking" if other apps are duplicates or not.

In the 2BM I did on husband's account back in Dec, the first app was approved a few hours after application (status changed) but the second app was pending. Then a letter arrived 7 days later, DECLINED the second app as duplicate, it did NOT ask whether it was duplicate, but simply declined it due to duplication. Called and the rep said there would not be a second pull as the pull was already done at time of application. Yet, the reallocation of CL of the first app to the second app, generated a second pull, from TU.

Upthread I have mentioned about this, and someone also said his experiences have been, BofA new applications pull from Experian. Reallocations of CL pull from TU. Hence I feel calling shortly after app in pending status, would have prevent a second pull on CL reallocation. Yet, your experience is not the same as previous posters (including my husband's apps).

Did you receive the paperwork from BofA on the 2 cards that were approved thru recon yet? Where the FICO came from if you have the paperwork?

We found out the TU pull from that doc because it listed a TU FICO on the 2nd card's paperwork while an EX FICO on the 1st card's paperwork.

joey78

That's right. This was 3 personal apps.

The letters I received said that the apps were duplicate requests, so they would not be processed. Then they asked to write in if it was my intent to submit multiple apps.

I have not received any paperwork from the cards that were approved thru recon yet.

75,000 miles and 3 companion certs posted to the account today!

jmail1

As a data point of bonuses, I applied on January 27th and had to call back on the 29th to answer some questions (fraud protection I put on credit bureaus) I was immediately approved. The 29th is a Thursday. They run batches on Saturdays, so I should have been picked up for bonus on Saturday the 30th, instead I was picked up on Saturday Feb 7th and the miles were in my account on the 8th.

sdsearch

Because that's when I had time! Some people have busy lives, you know???

You spend so much time posting here, yet if this such an important issue, you couldn't spend 5 minutes editing the Wiki to say something like "never apply when you can't call recon right away"? The Citi AA thread wiki has lots of great information about how to apply, by contrast the Wiki in this thread is bereft of all this information you keep saying is so important. Not everyone has time to read every post in a thread.

Say what??? I've never heard of that before. The landing page says:
(My bolding.)

What do you mean by "a high CL" that still gets a Plat card??? (I don't think of "$4.5k as "a high CL".)

MrDioji

I applied 2BM Personal on Saturday night and got pending for both. As of Sunday night, there were no results in BofA application status online. I called bi-lingual recon this morning (6am Pacific Monday, they were closed Sunday). I was informed that I was approved for the card ($15k+ CL). I informed them that I submitted another application "around" the same time. They had no record of any other application. I had them lower my CL to $10k so I have room to work with on the 2nd application.

I went online later on BofA app status and had one approved and one pending. I guess I could call back and reference the application ID for the pending since I have that now. Or maybe they're likely to approve the 2nd one since I lowered my CL so I should just wait? I just don't want them to scrap my 2nd application as a duplicate.

Any suggestions/insight? If not, then this is just a data point that I'll update when I resolve it. I should probably just call...

update: I called the recon line again later that day regarding the second card and they approved it, no problem. He said he wanted to see if they could move money from my other card, but I informed him I already lowered that line. He checked and I got my 2nd Signature card. There was just one pull from Experian

newbynewbynew

Call. Don't leave it to chance!

MrDioji

That's what I was thinking, but it seems akward to call and say "I know I was approved for that one, but what about this one..?", but I guess that's what I signed up for (quite literally).

Happy

There is no obligation that participants here must update the Wiki.

I keep up with things that are important to ME, by keeping up with the reading, not by nitpicking others posts to the minute details that often became irrelevant babbling as witnessed your exchanges with Brugge on AA threads and with others on other threads.


Personally I only use Wiki as a guide, never only rely the info in Wiki because precisely the Wiki info can be edited by anyone - to me this is making it quite vulnerable to have erroneous info.

If you have so much time on hand to post, you sure can have that time to read and update yourself on pertinent info and NOT faulting others not post in Wiki.

Besides, I believe self-help and I think I have post enough to help many. If that does not suit your needs, you should just skip my posts as they would be irrelevant no matter what.

Not reading posts in a thread because one does not have enough time, then it is the option one takes. Can NOT use that as an excuse to ask others to do the work for you. But of course you may have a different standard.

Go back to read the thread to find someone has cards approved as Plat version yet the CL is way above the minimum 5K.
Go back to read Brugge's experience that he was approved Plat but calls after calls got him a new card with 20K CL.

Oh yeah, those posters who posted their bad experiences do not update the Wiki with their experiences.

Everyone here knows Visa Signature requires 5K min CL, but probably you do not know that a Plat card can have 5K and above CL - it is NOT a criteria to automatically make a $5K and above CL automatically a Signature card. There is a difference which have been documented in this thread but of course you are too busy to read.

The advice, again, is to NOT give a chance that a Plat card might be issued. But if you prefer to go the route of WITHOUT Planning Ahead (because I only had time on a Friday evening), then be my guest and count yourself lucky to not having to get a Plat card should you wait it out and still get a Signature card.

Seriously, for the time you spent in posting, you could not find a 5 minutes time during a Weekday to submit your app?

BillyFlyer

Thanks for the reply guys. I called and confirmed I was approved for both for 20k CL each. I'm assuming that means it's a visa signature, and therefore 25k signup bonus miles.

Happy

Again, congrats on the successful 3BM.

Please do post back on the FICO source shown on the paperwork that should arrive eventually. This way we have more data point to know if a second pull to TU is again generated like in the past or there is none.

TIA.

Happy

Check your app status online. I dont remember if the card type would show up there. It would show up in your BofA online a day or 2 after approval and you definitely will see card type there. I assume you do not have other BofA cards, correct, as approved for 20K on BOTH cards without having to reallocate line is rare.

sdsearch

And I find these posts (in a thread of 1290 posts) how??

I knew nothing about any of this before I applied. I furthermore knew nothing about this last point before I called.

You're giving me great advice, but each time too late.

Meanwhile, you think that everyone who reads any of a thread has time to all of the thread. No, I applied for this card last in March 2014, and I've only read it sporadically (a few dozen posts at a time) since.

And I'm sure I'm not the only one who's not reading every single post in this thread.

Which is why I don't understand why you think (with none of this being discussed a year ago, and with none of this in the Wiki) that everyone (including me) should already know this. You think just you've read something somewhere in a 1290-post thread, that everyone must have read the same thing???

Or, you think everyone can think to ask the question "should i believe the landing page about $5k means Signature"? I believed it not just because it was in the landing page, but also because that was the only thing being discussed about CLs when I previously applied about a year ago. How was I supposed to know that the link between CLs and Signature had changed in the year since, without reading every single post of this thread over the past year?

I only read about "call right away" after I'd submitted my application. (That's the problem with providing warnings only in occaisonal posts, rather than in the wiki; someone who reads the latest posts but only at "the wrong time" will not see such warnings.)

I applied Friday night, then went onto FlyerTalk, and saw the discussion about "call right away". Then I called Monday, got $17.5k CL but didn't think to ask whether that meant Signature (since I'd never heard of it not meaning Signature in the parts of this thread that I'd read). Then after I got off the call, I got on FlyerTalk again and now you tell me you can have high CL but not get Signature?

QUOTE=Happy;24321376]Seriously, for the time you spent in posting, you could not find a 5 minutes time during a Weekday to submit your app? [/QUOTE]
I spent the time in posting after about 7 pm (PT), just after applying! I did not visit FlyerTalk Friday earlier in the day!

Just because I find time to post one day does not mean I have time at that same time of another day!

Also, sometimes we on the west coast don't realize how late it is (for companies who set their schedule based on the east coast). 7 pm wouldn't have been late had I been on the east coast, but it beign 10 pm ET was of course late relative to being able to call BofA recon.

And it took much more than 5 minutes. In fact, it failed the first time I did it (before submit, the "review submission" page failed to come up) in Firefox, so I tried it again in IE (dunno if that was the difference or not) and then it worked.