For CC apps are FIA and BoA cards the same?
Apr 12, 2014 | 12:52 pm
#1
Original Poster
Suspended
Join Date: Nov 2009
Posts: 1,076
For CC apps are FIA and BoA cards the same?
I know that FIA was bought by BoA, and they are part of BoA.
So I was surprised in my recent call with BoA when they said I had very little history with them as I had the FIA Fidelity AMEX since I started establishing credit history.
For the purpose of CC apps, are FIA and BoA cards distinct entities? Will the BoA rep be able to see my FIA cards and vice versa?
So I was surprised in my recent call with BoA when they said I had very little history with them as I had the FIA Fidelity AMEX since I started establishing credit history.
For the purpose of CC apps, are FIA and BoA cards distinct entities? Will the BoA rep be able to see my FIA cards and vice versa?
Apr 12, 2014 | 1:59 pm
#2
Join Date: Sep 2009
Location: Charlotte, NC
Programs: AA Exec Plat, RCplatinum, Hyatt diamond
Posts: 196
I know that FIA was bought by BoA, and they are part of BoA.
So I was surprised in my recent call with BoA when they said I had very little history with them as I had the FIA Fidelity AMEX since I started establishing credit history.
For the purpose of CC apps, are FIA and BoA cards distinct entities? Will the BoA rep be able to see my FIA cards and vice versa?
So I was surprised in my recent call with BoA when they said I had very little history with them as I had the FIA Fidelity AMEX since I started establishing credit history.
For the purpose of CC apps, are FIA and BoA cards distinct entities? Will the BoA rep be able to see my FIA cards and vice versa?
Apr 12, 2014 | 2:20 pm
#3
Join Date: Mar 2013
Location: LAX
Posts: 54
Perfect timing.
Ms. smilesbuzz is looking at canceling the BOH card and applying for the Fidelity. Since both cards are FIA and she never gets automatic acceptance on FIA cards should the cancellation happen during call in (to free up CL)?
Ms. smilesbuzz is looking at canceling the BOH card and applying for the Fidelity. Since both cards are FIA and she never gets automatic acceptance on FIA cards should the cancellation happen during call in (to free up CL)?
Apr 13, 2014 | 6:09 pm
#5
FlyerTalk Evangelist
Join Date: Jul 2003
Location: Florida
Posts: 30,343
Therefore, it is important for yourself to manage the total credit line with BofA - reduce the credit line on cards you dont use often and not need a high CL, to the $5K minimum for a Visa signature, so not to jeopardize your next application on another BofA or FIA card.