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
Jan 31, 2017, 1:54 pm
#61
Join Date: Aug 2011
Posts: 94
Can anyone tell me what is the normal amount that people lower the credit limit on the BOA personal and business cards? I have gone through quite a few post and the only thing I have seen is someone saying they lowered it to $200 which seems crazy. Do you usually wait for the bonus to post before lowering it? Can you do it through a secure message? Also anyone know if they companion pass can be sold as I have no use for it since I will never be flying on Alaska Airlines itself.
Last edited by dr0832; Jan 31, 2017 at 2:20 pm
Jan 31, 2017, 1:58 pm
#62
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
Can anyone tell me what is the normal amount that people lower the credit limit on the BOA personal and business cards? I have gone through quite a few post and the only thing I have seen is someone saying they lowered it to $200 which seems crazy. Do you usually wait for the bonus to post before lowering it? Can you do it through a secure message?
Jan 31, 2017, 6:58 pm
#63
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Can anyone tell me what is the normal amount that people lower the credit limit on the BOA personal and business cards? I have gone through quite a few post and the only thing I have seen is someone saying they lowered it to $200 which seems crazy. Do you usually wait for the bonus to post before lowering it?
If you had a $17k CL, there's not much difference between lowering by $16k (to $1k remaining) vs by $16.8k (to $200 remaining) vs by $15k (to $2k remaining). As long as you "release" way more CL than you keep, you should be ok.
The reason for this is because CL "released" through requesting a lowering of the CL is available to new card applications within a few months at most, while CL that stays on the card when it's cancelled can take a year or more before it's "released".
And all that matters to your upcoming applications is how much CL has been "released", not how much hasn't yet been "released".
And that ties in with the wait. For credit score reasons, on a personal card, you want to avoid having a statement post where your statement balance is over 30% of your credit limit. That desire, in turn, may mean that you can't lower as much if you do it earlier, but you can if you wait a little longer. However, since the required spend is only $1k, and 30% of $3500 is a bit over $1k, you'd be safe to lower to $3500 right away if you're only going to spend about as much as you need to to get the bonus. (Plus you'll have the annual fee.) And that's only if you're going to do the spend in one statement cycle; if you're going to spread it out over two or three statement cycles, you can lower to even less CL right away.
On a AS business card, because it doesn't report to credit bureaus, going over 30% CL utilization won't affect your credit score at all, so you could lower to $1500 right away if all you're ever going to do is just barely over the minimum spend.
And since the CL you lower by can still take months before it's "released", it's better to lower CL as soon as you can, even if you can't lower by quite as much as if you waited a few months until the card was "sock drawered".
Last edited by sdsearch; Jan 31, 2017 at 7:06 pm
Feb 1, 2017, 3:52 am
#64
Join Date: Nov 2010
Programs: IHG Platinum
Posts: 1,066
Dec 2016: Got approved for my first personal card with 17k CL.
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
Feb 1, 2017, 3:33 pm
#65
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Dec 2016: Got approved for my first personal card with 17k CL.
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
Feb 1, 2017, 5:55 pm
#66
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
Dec 2016: Got approved for my first personal card with 17k CL.
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
After reading the posts here, I'm planning to reduce my CL before I apply for my next card.
Would you recommend me to apply for a 2nd personal card or a business card?
(The personal card is a better deal with the $100 credit but I'm doubting myself whether I can get approved for another personal sig card in May 2017).
Feb 2, 2017, 9:58 am
#67
Join Date: Oct 2014
Posts: 265
Wife has one Alaska Personal card (1st and only). Lowered credit last week to 5K. Today, applied for a business card with our business income in low 6 figures, over 800 FICO. Took a while during application process to find exact number for income. Hit submit and got a "Application Status: Pending" and a reference number. Waited a while and check the status checker a few times. It said "No record of application". Checked the "Finish Saved Application" Link. Nothing found. So I reapplied. Oops. Instant decline on 2nd try.
Is this an instance where we need to call in? It provided a reference, and I see the recon line in the wiki, but it wasn't on the page with the reference number. I called the phone in status checker, and the "message" said they can't check the individual status, and will notify me of their decision my mail within 2 weeks. - from what I have read, personal cards can be recon'd if a second application is made the same day. I don't know - I am confused on proper method to salvage this one.
Is this an instance where we need to call in? It provided a reference, and I see the recon line in the wiki, but it wasn't on the page with the reference number. I called the phone in status checker, and the "message" said they can't check the individual status, and will notify me of their decision my mail within 2 weeks. - from what I have read, personal cards can be recon'd if a second application is made the same day. I don't know - I am confused on proper method to salvage this one.
Feb 3, 2017, 1:01 pm
#68
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
Wife has one Alaska Personal card (1st and only). Lowered credit last week to 5K. Today, applied for a business card with our business income in low 6 figures, over 800 FICO. Took a while during application process to find exact number for income. Hit submit and got a "Application Status: Pending" and a reference number. Waited a while and check the status checker a few times. It said "No record of application". Checked the "Finish Saved Application" Link. Nothing found. So I reapplied. Oops. Instant decline on 2nd try.
Is this an instance where we need to call in? It provided a reference, and I see the recon line in the wiki, but it wasn't on the page with the reference number. I called the phone in status checker, and the "message" said they can't check the individual status, and will notify me of their decision my mail within 2 weeks. - from what I have read, personal cards can be recon'd if a second application is made the same day. I don't know - I am confused on proper method to salvage this one.
Is this an instance where we need to call in? It provided a reference, and I see the recon line in the wiki, but it wasn't on the page with the reference number. I called the phone in status checker, and the "message" said they can't check the individual status, and will notify me of their decision my mail within 2 weeks. - from what I have read, personal cards can be recon'd if a second application is made the same day. I don't know - I am confused on proper method to salvage this one.
On another note, is it possible to have both my personal and business ccs show up under one BoA login?
Feb 3, 2017, 1:46 pm
#69
Join Date: Sep 2011
Location: ORD/MDW
Programs: AA EXP, DL-Plat, WN-CP | Hotels: Choice-Gld, IHG-Plt, Rad-Gld, HH-Dia, Hyatt-Glob, Marriott-LtPlt
Posts: 2,889
Feb 4, 2017, 8:16 am
#70
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Yes, but you may have to scroll. The way it shows up is all your personal cards are at the top, and then there's a gap, and then it shows your business corporate account and then your business card account indented under that.
Feb 6, 2017, 3:28 pm
#71
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
I was instantly approved for the biz on 1/29. However, when I use the online status checker, there is no record of my application. I have not yet received my card yet either..starting to get concerned.
Status checker: https://www.bankofamerica.com/credit...status-form.go
Status checker: https://www.bankofamerica.com/credit...status-form.go
Feb 7, 2017, 9:31 am
#72
Join Date: Feb 2008
Posts: 783
I was instantly approved for the biz on 1/29. However, when I use the online status checker, there is no record of my application. I have not yet received my card yet either..starting to get concerned.
Status checker: https://www.bankofamerica.com/credit...status-form.go
Status checker: https://www.bankofamerica.com/credit...status-form.go
Cheers,
PedroNY
Feb 7, 2017, 10:10 am
#73
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
My instant approval app for the biz card was canceled by BoA because they thought it was fraud. They did not call me, and simply canceled my application. I only found out by calling them after the card did not show up.
They said to resubmit the application, and now, it went pending instead of instant approval!
Not sure if they know what they are talking about!
Update: called recon. Denied due to lack of biz history. They offered to open the account if i put a minimum of $1500 secured deposit?? Said to wait for the letter in the mail..
credit score 700+
They said to resubmit the application, and now, it went pending instead of instant approval!
Not sure if they know what they are talking about!
Update: called recon. Denied due to lack of biz history. They offered to open the account if i put a minimum of $1500 secured deposit?? Said to wait for the letter in the mail..
credit score 700+
Last edited by Travelchurner; Feb 7, 2017 at 11:00 am
Feb 7, 2017, 10:16 am
#74
Join Date: Aug 2016
Location: SF Bay Area
Posts: 665
Feb 8, 2017, 9:08 am
#75
Join Date: Sep 2015
Posts: 305
I used to alternate applying for personal and business cards every few months.
Sometimes I would have 3 personal cards at a time, then would close one and apply for the new one.
Just recently - when it was time for me to apply for the next personal card - I was denied with explanation "you already have card open with us" (at this point I only had one). Yesterday I promptly closed the card, and my last business card was closed in January.
Would it be safe to apply for at least a business card in the next month? Or should I wait? Don't want to risk a hard pull if I get denied.
This new "one card rule" messes up my Alaska BofA routine!
Sometimes I would have 3 personal cards at a time, then would close one and apply for the new one.
Just recently - when it was time for me to apply for the next personal card - I was denied with explanation "you already have card open with us" (at this point I only had one). Yesterday I promptly closed the card, and my last business card was closed in January.
Would it be safe to apply for at least a business card in the next month? Or should I wait? Don't want to risk a hard pull if I get denied.
This new "one card rule" messes up my Alaska BofA routine!