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 5, 2018, 7:10 pm
#1186
Join Date: Feb 2016
Location: New York
Programs: Navy A-4 Skyhawk, B727 FE/FO, S80 FO, B757/767 FO, B737 CA
Posts: 1,342
Considering that what you're describing there sounds an awful lot like like fraud -- the real, criminal kind that could land you in federal prison if someone decided to make an issue of it -- you might want to re-think your approach. People get away with that sort of thing until they don't, and then it can get really ugly.
Nov 6, 2018, 4:52 pm
#1188
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Nov 8, 2018, 7:23 pm
#1189
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
I have a real stable job with bi-weekly paychecks being DD. but I doubled my income amount on the app to get a higher chance of approval
My real income is $xx,xxx.xx
the fake "income" I put on the app was $xxx,xxx.xx
Got the letter from BofA and they are asking for my recent pay stub.... again, am I SOL?
My real income is $xx,xxx.xx
the fake "income" I put on the app was $xxx,xxx.xx
Got the letter from BofA and they are asking for my recent pay stub.... again, am I SOL?
Considering that what you're describing there sounds an awful lot like like fraud -- the real, criminal kind that could land you in federal prison if someone decided to make an issue of it -- you might want to re-think your approach. People get away with that sort of thing until they don't, and then it can get really ugly.
I challenge anyone to show show where someone has been charged with criminal fraud for stating greater income on a cc app.
Are you the only income of the house? You are able to claim all income available to you which includes spouse. So if you make 50k and spouse make 60k you can claim 110k.
Nov 9, 2018, 12:03 am
#1190
FlyerTalk Evangelist
Join Date: Jul 2008
Location: IAH
Programs: DL DM, Hyatt Ist-iest, Stariott Platinum, Hilton Diamond
Posts: 12,787
Speaking from somebody who has been dancing with BoA for years, I don't think income has much impact on approval odds and if it has any direct impact on CL I haven't figured it out yet. I've been approved at income X for $15k CL. Later approved at X +10k and CL of $5k. Later X + $30k and flat out denied for reasons income couldn't overturn. Just be honest. Kiss this app goodbye and be honest the next time around.
Nov 9, 2018, 2:04 am
#1191
Join Date: Jan 2017
Posts: 790
While I do not advocate for what you did nor have I done so myself I fail to see the cause for hyperbole and hysteria reaction being exhibited.
I challenge anyone to show show where someone has been charged with criminal fraud for stating greater income on a cc app.
Are you the only income of the house? You are able to claim all income available to you which includes spouse. So if you make 50k and spouse make 60k you can claim 110k.
I think unless your income is sub $75K or 80 USD for the higher end cards, it is more about hard pulls and credit score, anyways. Total intuition on this one though, no hard info.
Nov 9, 2018, 10:26 am
#1192
Join Date: May 2012
Location: HNL
Programs: AS MVPG, HA Plat
Posts: 1,268
While I do not advocate for what you did nor have I done so myself I fail to see the cause for hyperbole and hysteria reaction being exhibited.
I challenge anyone to show show where someone has been charged with criminal fraud for stating greater income on a cc app.
Are you the only income of the house? You are able to claim all income available to you which includes spouse. So if you make 50k and spouse make 60k you can claim 110k.
Nov 9, 2018, 12:31 pm
#1193
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,933
Even if not that, one might get blacklisted by that bank (a bank can do that for any reason it wants). For someone who was planning on applying for multiple cards from that bank in the future, that would be bad enough.
Nov 10, 2018, 7:15 am
#1194
Join Date: Feb 2003
Location: On strike
Posts: 8,135
While I do not advocate for what you did nor have I done so myself I fail to see the cause for hyperbole and hysteria reaction being exhibited.
I challenge anyone to show show where someone has been charged with criminal fraud for stating greater income on a cc app.
Nov 10, 2018, 12:12 pm
#1195
Moderator: Budget Travel forum & Credit Card Programs, FlyerTalk Evangelist
Join Date: Aug 2002
Location: YYJ/YVR and back on Van Isle ....... for now
Programs: UA lifetime MM / *A Gold
Posts: 14,428
But yes, you did provide proof that it can happen ^
Nov 11, 2018, 9:43 am
#1196
Join Date: Apr 2014
Programs: Hilton - Diamond, IHG - Spire Amb
Posts: 901
although to be fair the charge and prosecution likely had more to do with running up the line of credit, not paying and then declaring bankruptcy...
Nov 14, 2018, 5:06 pm
#1197
Join Date: Dec 2017
Posts: 46
Thanks definitely well noted from all the comments.
WIll now use more of a best estimated conservative amount for my actual income on my CC apps.
With that said not sure what I should do for my current AS bofa app play (applied on 11/1):
- Should I just provide my income and pay stubs and my SS#? (this is what the recon dept is requesting of me)
- (my income is >$75k
I am not falsifying any material docs. it just wont match what I inputted on the cc app.
Will i get blacklisted from bofa?
- other option I was thinking of letting this app die in 30 days and apply again on 12/2/18?
WIll now use more of a best estimated conservative amount for my actual income on my CC apps.
With that said not sure what I should do for my current AS bofa app play (applied on 11/1):
- Should I just provide my income and pay stubs and my SS#? (this is what the recon dept is requesting of me)
- (my income is >$75k
I am not falsifying any material docs. it just wont match what I inputted on the cc app.
Will i get blacklisted from bofa?
- other option I was thinking of letting this app die in 30 days and apply again on 12/2/18?
Nov 19, 2018, 6:57 am
#1198
Join Date: Mar 2011
Programs: SPG Gold, AA Gold
Posts: 356
Just got a personal card, did the spend, and the first statement cut just a few days later. I was surprised it did not have the annual fee on it. Is that normal? The 30k miles (plus spend) showed up on the statement so I am hoping those will post before long. Will the AF be on the next statement? Does its failure to appear on the first statement mean I will have a longer delay before getting the companion fare code (which I understand cannot be credited until AF is paid)? Thanks for any data points.
Nov 19, 2018, 8:15 am
#1199
FlyerTalk Evangelist
Join Date: Aug 2002
Location: Intermountain West
Programs: Too many to list
Posts: 12,079
Just got a personal card, did the spend, and the first statement cut just a few days later. I was surprised it did not have the annual fee on it. Is that normal? The 30k miles (plus spend) showed up on the statement so I am hoping those will post before long. Will the AF be on the next statement? Does its failure to appear on the first statement mean I will have a longer delay before getting the companion fare code (which I understand cannot be credited until AF is paid)? Thanks for any data points.
2. No
Don't worry, all is good. CF code will appear soon. Please read the wikipost above.