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FlyerTalk Forums Expert How-Tos and Guides
Jan 16, 2017, 9:36 am by rrggBefore 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- 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:
65k offer: https://apply.uscreditcardguide.com/credit-card/boa-alaska/apply/
60K offer: https://www.alaskaair.com/content/cr...B&gclsrc=aw.ds
Prior offers:
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/
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.
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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
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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.
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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)!
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Use or earn Mileage Plan miles with Alaska's Global Partners
https://www.alaskaair.com/content/mi...tners-overview
Quote:
I guess not, but when in doubt, go for the business version.Originally Posted by amexha
Is there any way to guarantee that I get the signature card and not the other one?
The reason I went for biz app after my first personal is because of fear that my next card would not be the signature card.
Quote:
Don't close BofA cards without lowering credit limit first. Credit limit that's lowered (at least a day or two) before you close the card becomes available to new applications within a few months. Credit limit that remains on BofA cards at the time they're closed stays unavailable to new applications for a year or more!
(So hopefully you already reduced the credit limit on some or all of those cards, because otherwise just having too high a combined credit limit, or having lowered it too recently, could also be grounds for denial.)
That was my next question when to lower the limit and how long it takes for it "appear". Thanks for the heads up!Originally Posted by sdsearch
Do you have any need 4 for MLB cards? There are hints that BofA may also count total cards, but it's not clear. But on that possibility, assuming you don't really need 4 MLB cards, then closing at least some of them might make sense. Except:Don't close BofA cards without lowering credit limit first. Credit limit that's lowered (at least a day or two) before you close the card becomes available to new applications within a few months. Credit limit that remains on BofA cards at the time they're closed stays unavailable to new applications for a year or more!
(So hopefully you already reduced the credit limit on some or all of those cards, because otherwise just having too high a combined credit limit, or having lowered it too recently, could also be grounds for denial.)
Quote:
The CS Rep said I have too many cards opened with them. I have a VA and AS card and she didn't say that it was specifically AS. I would recommend to close them all out if you don't need them.Originally Posted by newdaybegin
Oh damn I had not lower the credit for those card yet, it been sock drawn for almost 1 year, look like will lower the credit then will stay out to apply the card for another 6 month
Quote:
Apply for the business card. The business card does not have a Platinum version (that's the "other one" you're referring to), so you either get approved for business Signature (with the full 30k signup bonus) or denied, no yucky in-between possibilities like with the personal card.Originally Posted by amexha
Is there any way to guarantee that I get the signature card and not the other one?
Other than that, no, in that many people who rarely get the Platinum card on personal card applications have gotten it at least once. (With the personal card, you may be able to improve your chances, but you can't guarantee, simply because sometimes you may given a Platinum card just because BofA makes a mistake [that they later admit, but that's too late].)
So the only way to guarantee it is never again to apply for the personal Alaska card.
I received a pre selected mailer for Alaska card 30k points and companion pass offer. I've never had one, personal or biz. How can I ensure I'll get the personal platnium with the bonus, I see people referring to the other inferior card with no companion pass. Is this only applicable if you have multiple AS cards?
Quote:
You can't ensure it, except by applying for the business card instead. The business card doesn't have a platinum version.Originally Posted by silver02accord
I received a pre selected mailer for Alaska card 30k points and companion pass offer. I've never had one, personal or biz. How can I ensure I'll get the personal platnium with the bonus, I see people referring to the other inferior card with no companion pass. Is this only applicable if you have multiple AS cards?
You can have world best credit score and still get a platinum version, because BofA makes those kinds of mistakes sometimes. Then they may come back to apologize the next day, but it's too late (their system doesn't let them correct it the next day).
You can lower the chances by having an excellent credit score, by having an existing BofA account perhaps (I had a hard which used to the Choice Hotels card back when BofA had the Choice Hotels account, and I never cancelled it, just used it for something small once a year to keep it alive; don't know if it helps or not), and by not having applied for much in the way of BofA cards in recent years.
You have to get $5000 credit limit or more to be able to get the Signature card. You get Platinum if they can't approve you for even $5000 credit limit.
I got about $17k in CL, then on another card I got about $17k in CL, and then another card I got about $17k in CL, and then suddenly on another card they gave me $1.5k in CL, gave me Platinum, and then called me the next to say they'd mistake (but that it would take over 2 months of multiple steps to correct it). Then soon after that I shifted to business cards, and have gotten about $10k in CLs on those to date.
Thank you for the response, I appreciate the advice.
Suspended
so after a week they will not open this card claiming i have sufficient credit outstanding even though i only have a $1000 limit on the old travel rewards card. the guy on the phone today tried to get me to go to the khan academy website so that i can learn about credit and its effects...
Quote:
Did you recently close a BOA card without first lowering the limit?Originally Posted by RamboAroundTheWorld
so after a week they will not open this card claiming i have sufficient credit outstanding even though i only have a $1000 limit on the old travel rewards card. the guy on the phone today tried to get me to go to the khan academy website so that i can learn about credit and its effects...
Suspended
Quote:
i closed my personal a few months ago before lowering the limit. this was before, it seems, that limit lowering was now a must do.Originally Posted by Superorb
Did you recently close a BOA card without first lowering the limit?
Quote:
You can have world best credit score and still get a platinum version, because BofA makes those kinds of mistakes sometimes. Then they may come back to apologize the next day, but it's too late (their system doesn't let them correct it the next day).
You can lower the chances by having an excellent credit score, by having an existing BofA account perhaps (I had a hard which used to the Choice Hotels card back when BofA had the Choice Hotels account, and I never cancelled it, just used it for something small once a year to keep it alive; don't know if it helps or not), and by not having applied for much in the way of BofA cards in recent years.
You have to get $5000 credit limit or more to be able to get the Signature card. You get Platinum if they can't approve you for even $5000 credit limit.
I got about $17k in CL, then on another card I got about $17k in CL, and then another card I got about $17k in CL, and then suddenly on another card they gave me $1.5k in CL, gave me Platinum, and then called me the next to say they'd mistake (but that it would take over 2 months of multiple steps to correct it). Then soon after that I shifted to business cards, and have gotten about $10k in CLs on those to date.
Applied and got instant approval for Signature with $18k credit line. Hawaii here I come.Originally Posted by sdsearch
You can't ensure it, except by applying for the business card instead. The business card doesn't have a platinum version.You can have world best credit score and still get a platinum version, because BofA makes those kinds of mistakes sometimes. Then they may come back to apologize the next day, but it's too late (their system doesn't let them correct it the next day).
You can lower the chances by having an excellent credit score, by having an existing BofA account perhaps (I had a hard which used to the Choice Hotels card back when BofA had the Choice Hotels account, and I never cancelled it, just used it for something small once a year to keep it alive; don't know if it helps or not), and by not having applied for much in the way of BofA cards in recent years.
You have to get $5000 credit limit or more to be able to get the Signature card. You get Platinum if they can't approve you for even $5000 credit limit.
I got about $17k in CL, then on another card I got about $17k in CL, and then another card I got about $17k in CL, and then suddenly on another card they gave me $1.5k in CL, gave me Platinum, and then called me the next to say they'd mistake (but that it would take over 2 months of multiple steps to correct it). Then soon after that I shifted to business cards, and have gotten about $10k in CLs on those to date.
Quote:
Lowering limits has been a thing for a long while now, certainly longer than a few months. Did you have a high limit on the closed BOA card, what did you enter for income on the app (ballpark fine) and what's your current credit limit across all cards?Originally Posted by RamboAroundTheWorld
i closed my personal a few months ago before lowering the limit. this was before, it seems, that limit lowering was now a must do.
Quote:
You have to get $5000 credit limit or more to be able to get the Signature card. You get Platinum if they can't approve you for even $5000 credit limit.
I once was able to get 2 cards at once but that seems to be no longer. I also had 3 cards opened at one time with a total credit limit of nearly $20k across them. I closed out 2 of the 3 cards a few months ago with the expectation of opening another card this month. I lowered the credit limit down to the lowest possible, $5k. I learned this from a phone call with BofA. Last week I applied for a card and was denied, letter said I had maxed out my available credit. hmmmm.Originally Posted by sdsearch
You have to get $5000 credit limit or more to be able to get the Signature card. You get Platinum if they can't approve you for even $5000 credit limit.
This morning I closed my last card. Set a reminder to apply again next month. Waiting is nail bitter!
