Jan 16, 2017, 9:36 am
Last edit by: Dr Jabadski
Before applying, please note
B of A's restrictions (2-3-4 rule, UPDATED: as of Sept 28,2019 possibly 3/12 for new customers and 7/12 for existing customers. See thread for ongoing discussion) on approving applications:
https://www.flyertalk.com/forum/cred...24-months.html
Nestled in the terms and conditions of all of the personal Alaska Airlines credit card offers:
"This card will not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product."
More info on the COMPANION FARE cert can be found here: https://www.flyertalk.com/forum/alas...-fare-faq.html
This thread is a continuation from THIS discussion (2012-2016)
Concurrent discussion here: https://www.flyertalk.com/forum/alas...017-later.html
As additional resources for these cards, see the following threads in the Alaska Airlines forum
Please do not delete non working offers because sometimes they start working again. Instead move them to the prior offers section.
PERSONAL CARDS
Current offers:
All offers below are DEAD
72K offer: 72K offer
70K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
70K + $100 statement credit: click on the direct link to offer in the DoC article...https://www.doctorofcredit.com/bank-...0-miles-offer/
Prior offers:
50k miles + companion fare, $75 AF, $2k spend (Live Jan 2021 to May 2021)
40k miles + $100 + companion fare, $75 AF, $2k spend
As of December 2018, Bank of America no longer gives you a lower bonus if you're approved for Platinum instead of Signature.
Make sure to opt-in to "Partner Offers" within your Mileage Plan account if you wish to be targeted for single-use application links with increases bonuses.
----------------------------------------------------------------------------------------------------------
Check Personal Card application status online here:
https://www.bankofamerica.com/credit...status-form.go
Personal card Recon Lines:
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
or 888-230-6262
================================================== =======================
BUSINESS CARDS
Current offers:
Now 50k $95 AF $100 Stmt credit $4k spending https://www.alaskaair.com/content/cr...-business-card
Prior offers:
40K>70K
Read post 844 for tips on being approved for the business card.
It may be easier to get approved for a new business with 0 years and $0 gross income.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
Business card Recon Line:
April 2024: BOA Biz Recon (Small Biz Lending, Credit Analyst) 888-782-7717, 888-569-4439 (M-F 8am-7pm EST), both answered by live human in 2-4 minutes. (Both numbers confirmed multiple times in the past 2-3 days.)
866-695-6598 (8-7pm EST M-F)
Biz card status line: 888 663 6262 (not working)
Biz Card credit analyst line: 888-782-7717
Biz card expedited shipping: wait 24 hours after approval for a card number to generate then call 800-901-9830 and a person will answer. If 1st Rep says "no" ask him/her to ck. with a supervisor. This worked for me.
------------------------------------------------------------------------------------
Credit Inquiries
Credit Inquiries for Personal cards come from BofA. Inquiries for business cards come from FIA.
Credit bureaus usually merge inquiries from the same requester made on the same day.
Inquiries from BofA and FIA will not be merged.
Does one have to call BoA to lower a card's credit limit?
Yes, there is no longer any way to contact BOA online. Phone is the only method currently.
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.
Can you send a secure message through your account online?
No. BOA has removed the secure message functionality, even for Preferred members. The only way to contact BOA now is to call them.
Can I apply for another personal Alaska card if I have one open already?
Some people still can, but these days many people get denied. If you don't want to risk getting denied, it's probably better if you close any existing personal Alaska cards before applying for another one. But be sure to lower credit limit as low as possible at least a few business days before you close the card (though the earlier you can do it the better), because credit limit that's left on the card when you close it stays unavailable to new card applications for a year or more (while credit limit that's lowered as a separate step becomes available to new card applications much sooner)!
.................................................. .................
Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
B of A's restrictions (2-3-4 rule, UPDATED: as of Sept 28,2019 possibly 3/12 for new customers and 7/12 for existing customers. See thread for ongoing discussion) on approving applications:
https://www.flyertalk.com/forum/cred...24-months.html
Nestled in the terms and conditions of all of the personal Alaska Airlines credit card offers:
"This card will not be available to you if you currently have or have had the card in the preceding 24 month period. This does not apply to the business credit card product."
More info on the COMPANION FARE cert can be found here: https://www.flyertalk.com/forum/alas...-fare-faq.html
This thread is a continuation from THIS discussion (2012-2016)
Concurrent discussion here: https://www.flyertalk.com/forum/alas...017-later.html
As additional resources for these cards, see the following threads in the Alaska Airlines forum
- Alaska Airlines Visa
- Retention/conversion offers & discussion thread
- https://www.flyertalk.com/forum/alas...017-later.html
Please do not delete non working offers because sometimes they start working again. Instead move them to the prior offers section.
PERSONAL CARDS
Current offers:
All offers below are DEAD
72K offer: 72K offer
70K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
70K + $100 statement credit: click on the direct link to offer in the DoC article...https://www.doctorofcredit.com/bank-...0-miles-offer/
Prior offers:
50k miles + companion fare, $75 AF, $2k spend (Live Jan 2021 to May 2021)
40k miles + $100 + companion fare, $75 AF, $2k spend
As of December 2018, Bank of America no longer gives you a lower bonus if you're approved for Platinum instead of Signature.
Make sure to opt-in to "Partner Offers" within your Mileage Plan account if you wish to be targeted for single-use application links with increases bonuses.
----------------------------------------------------------------------------------------------------------
Check Personal Card application status online here:
https://www.bankofamerica.com/credit...status-form.go
Personal card Recon Lines:
1-800-354-0401 (8am-7pm ET Mon-Fri) direct, referring agent from another BofA line called it their "credit department"
or 888-230-6262
================================================== =======================
BUSINESS CARDS
Current offers:
Now 50k $95 AF $100 Stmt credit $4k spending https://www.alaskaair.com/content/cr...-business-card
Prior offers:
40K>70K
Read post 844 for tips on being approved for the business card.
It may be easier to get approved for a new business with 0 years and $0 gross income.
Also see the Applying for Business Credit Cards [Consolidated] thread (not-BofA-specific) for general tips on applying for business cards.
Business card Recon Line:
April 2024: BOA Biz Recon (Small Biz Lending, Credit Analyst) 888-782-7717, 888-569-4439 (M-F 8am-7pm EST), both answered by live human in 2-4 minutes. (Both numbers confirmed multiple times in the past 2-3 days.)
866-695-6598 (8-7pm EST M-F)
Biz card status line: 888 663 6262 (not working)
Biz Card credit analyst line: 888-782-7717
Biz card expedited shipping: wait 24 hours after approval for a card number to generate then call 800-901-9830 and a person will answer. If 1st Rep says "no" ask him/her to ck. with a supervisor. This worked for me.
------------------------------------------------------------------------------------
Credit Inquiries
Credit Inquiries for Personal cards come from BofA. Inquiries for business cards come from FIA.
Credit bureaus usually merge inquiries from the same requester made on the same day.
Inquiries from BofA and FIA will not be merged.
Does one have to call BoA to lower a card's credit limit?
Yes, there is no longer any way to contact BOA online. Phone is the only method currently.
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.
Can you send a secure message through your account online?
No. BOA has removed the secure message functionality, even for Preferred members. The only way to contact BOA now is to call them.
Can I apply for another personal Alaska card if I have one open already?
Some people still can, but these days many people get denied. If you don't want to risk getting denied, it's probably better if you close any existing personal Alaska cards before applying for another one. But be sure to lower credit limit as low as possible at least a few business days before you close the card (though the earlier you can do it the better), because credit limit that's left on the card when you close it stays unavailable to new card applications for a year or more (while credit limit that's lowered as a separate step becomes available to new card applications much sooner)!
.................................................. .................
Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
Bank of America Alaska Airlines card
Nov 20, 2017, 3:24 pm
#751
Join Date: Nov 2013
Location: New York City
Posts: 186
Nov 20, 2017, 5:57 pm
#752
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
According to one post on the DoC site, there's a theory that 2/3/4 is as stated, BofA cards only, on instant approvals/denials, but that there is an additional layer (not necessarily calibrated at 2/3/4, probably higher) on processing by humans that does count new accounts from other banks. (I don't know to what degree this theory is correct or not.)
So I'm not arguing that there's no count of new accounts from other banks used at BofA under certain circumstances. I'm just saying that it's separate from 2/3/4, and that it would useful to figure out how it works (how many new accounts from other banks in what amount of time spell doom?), rather than just guessing that it must be "2/3/4" because you've heard of a rule by that name.
Now, if you (or anyone else) wants to "simplify" their life and just assume that if they're beyond 5/24 at Chase there's no point in them applying for a BofA card, fine. But I don't see that there's enough proof that that's how it works to make recommendations to other people as to whether they should give up on BofA or not based on one person's assumptions.
Nov 20, 2017, 7:59 pm
#753
Join Date: May 2014
Location: SoCal
Posts: 2,164
DP to help clear some info:
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
Nov 20, 2017, 8:40 pm
#754
Join Date: Oct 2011
Posts: 4,166
DP to help clear some info:
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
Nov 20, 2017, 9:33 pm
#755
Join Date: Jun 2016
Posts: 2,257
DP to help clear some info:
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
Family Member applied for new Alaska personal on 10/21 got approved on 10/23. he had 10 new accounts opened in the last 24 months. this alaska card is his 4th bofa personal in 24 months + 1 business bofa, so i am sure that BofA does NOT count all bank accounts.
I think the confusion and conflicting DP come from the fact that 2/3/4 is a rule applied to BOA cards only -- however, whenever there is human factor involved (recon etc) then the recon agent will start reviewing CR and get a sticker shock on the # accounts opened or # hard inquiries visible and use one of these as an axe (whether correctly applied or not, is another question - you could surmise that even the recon agents are confused themselves, and not enforcing it appropriately). Add on to the fact that some applicants dont know the difference between # inquiries vs # accounts opened, and they unfortunately start reporting here on FT using incorrect terminologies, and that's when you get a bunch of conflicting / inconsistent information.
I always knew a high # of HP counts against me, after a denial some time ago. This is why after that, i never let BOA pull my EX, and I became successful in getting BOA cards again, until the 2/3/4 rule strikes. When I was denied BOA card recently (and this is when the 2/3/4 rule is already supposedly in effect), they clearly told me it is because of my # BOA cards opened, not bc of my # overall bank cards opened. And trust me, I have more than enough of the latter with Citi AA.
Nov 29, 2017, 9:41 pm
#757
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Benicia, California, USA
Programs: AA PLT,AS,UA PP,J6,FB,EY,LH,SQ,HH Dmd,Hyatt Glbl,Marriott Plat,IHG Plat,Accor Gold
Posts: 10,820
Need advice: turned down for B of A Alaska business cc due to Type of Business..
Though I am a self-employed international development consultant with an 800+ credit rating and have never been turned down for a business cc before, Bank of America recently turned me down for an Alaska business cc. The reason, as stated in the letter: "The type of business or service provided." FWIW, I'm pretty sure I put down Public Administration for the Type of Industry and Lawyer (which I am) for Occupation. (Also, FWIW, I'm not over the new 2/3/4 BofA limit for ccs.)
Has anyone had an experience like this before? If so, any advice on what might be going on here and how I should approach it, beyond simply calling BofA's reconsideration line (which is what, by the way?)?
Thanks for any help.
Has anyone had an experience like this before? If so, any advice on what might be going on here and how I should approach it, beyond simply calling BofA's reconsideration line (which is what, by the way?)?
Thanks for any help.
Nov 30, 2017, 10:22 am
#758
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
No advice other than to call the recon line. Check the wiki here: https://www.flyertalk.com/forum/cred...s-now-30k.html
Nov 30, 2017, 12:59 pm
#759
FlyerTalk Evangelist
Join Date: Dec 2003
Location: Benicia, California, USA
Programs: AA PLT,AS,UA PP,J6,FB,EY,LH,SQ,HH Dmd,Hyatt Glbl,Marriott Plat,IHG Plat,Accor Gold
Posts: 10,820
Ok. Thanks!
Called the recon line and in fact it was just a minor matter re categorization. Approved over the phone. Thanks again for the help.
Called the recon line and in fact it was just a minor matter re categorization. Approved over the phone. Thanks again for the help.
Last edited by philemer; Nov 30, 2017 at 9:00 pm
Nov 30, 2017, 4:25 pm
#760
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
We're sorry.....
Applied for the personal card for my wife today. She hasn't had an AS card w/in the last 12 months & first BofA app. in over a year. Got the:
We’re sorry but we’re unable to give you a decision at this time.
What’s next?
We are reviewing your application and will send you a letter letting you know our decision.
We'll give it a couple days and see what happens.
We’re sorry but we’re unable to give you a decision at this time.
What’s next?
We are reviewing your application and will send you a letter letting you know our decision.
We'll give it a couple days and see what happens.
Last edited by philemer; Nov 30, 2017 at 4:33 pm
Dec 1, 2017, 5:51 pm
#762
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Search this thread for "$1500" and you'll see plenty of datapoints. (I assume that's amount of your CD deposit requirement, because that's what it's been for everyone else to date who's gotten the CD deposit requirement.)
Dec 2, 2017, 2:23 pm
#763
Join Date: Apr 2011
Posts: 2,055
I did this a month ago using sole-proprietor, $0 revenue, <1 year in business. Opened CD with $1500 (which will be your credit limit) and it was approved a couple of weeks later.
Dec 5, 2017, 9:41 am
#764
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,082
New one on me--what a joke..
Applied for the personal card for my wife today. She hasn't had an AS card w/in the last 12 months & first BofA app. in over a year. Got the:
We’re sorry but we’re unable to give you a decision at this time.
What’s next?
We are reviewing your application and will send you a letter letting you know our decision.
We'll give it a couple days and see what happens.
We’re sorry but we’re unable to give you a decision at this time.
What’s next?
We are reviewing your application and will send you a letter letting you know our decision.
We'll give it a couple days and see what happens.
Dec 5, 2017, 12:29 pm
#765
Join Date: Feb 2012
Posts: 4,477
Now this situation calls for an attitude adjustment. The bank is obviously not concerned about your scores or income, but wants to verify identity. It's not that rare, especially when there are folks with similar SSN or names. In such cases credit bureaus sometimes misfile small items, thus creating internal conflicts in credit reports. It's a brief and painless step, happened to me once.