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
Feb 26, 2018, 10:48 am
#872
Join Date: Mar 2015
Posts: 38
I just applied and was approved for the personal card with a $17k CL (having never had a BoA card of any sort in the past). I then applied for the Biz card stating new biz started this year with $0 revenue, and it went to pending. Should I call recon, or is it better to wait it out?
Feb 26, 2018, 7:32 pm
#873
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
I just applied and was approved for the personal card with a $17k CL (having never had a BoA card of any sort in the past). I then applied for the Biz card stating new biz started this year with $0 revenue, and it went to pending. Should I call recon, or is it better to wait it out?
Feb 27, 2018, 6:21 am
#874
Join Date: Nov 2006
Location: LAX
Posts: 2,851
any data on which credit bureau pulled for Alaska Airlines biz card for Southern CA (Orange County)? All credit report frozen so just want to open one.
Any data on whether Biz card counts for the 2/3/4 rule? When I log onto my B of A account, the biz card invitation to apply pops up.
TIA
Any data on whether Biz card counts for the 2/3/4 rule? When I log onto my B of A account, the biz card invitation to apply pops up.
TIA
Feb 27, 2018, 8:00 am
#875
Join Date: Jul 2013
Posts: 1,784
any data on which credit bureau pulled for Alaska Airlines biz card for Southern CA (Orange County)? All credit report frozen so just want to open one.
Any data on whether Biz card counts for the 2/3/4 rule? When I log onto my B of A account, the biz card invitation to apply pops up.
TIA
Any data on whether Biz card counts for the 2/3/4 rule? When I log onto my B of A account, the biz card invitation to apply pops up.
TIA
Feb 27, 2018, 9:50 am
#876
Join Date: Feb 2013
Location: S.E. Pennsylvania
Programs: SPG, SW Air, AA, all of'em!
Posts: 239
Biz card approval likely if personal denial?
Fellow Alaska / B of A pros:
I was denied for Alaska personal card last week; summary reason: "adequate credit extended for accounts you HAD with B of A or its AFFILIATES."
My last ALASKA personal acct with B of A closed 9/2017.
Last business Alaska card closed 9/2017 also.
Hard inquiries: 9 TU; 2 EQ
Open CC accounts with OTHER banks: 19
Applications with B of A in last 12 mos: about 3; approvals: one (4/2017). Open accts with B of A: NONE.
Income reported: $75K
Cr scores: 725 - 760
So, is there a new "waiting period" after which you have closed a B of A account that you can not open a new account?
I understand the business side of B of A does not follow the same rules, but if I apply for biz card now, what are my odds for approval, and if low, how long should I wait?
Thanks for any RECENT experiences that can assist!
I was denied for Alaska personal card last week; summary reason: "adequate credit extended for accounts you HAD with B of A or its AFFILIATES."
My last ALASKA personal acct with B of A closed 9/2017.
Last business Alaska card closed 9/2017 also.
Hard inquiries: 9 TU; 2 EQ
Open CC accounts with OTHER banks: 19
Applications with B of A in last 12 mos: about 3; approvals: one (4/2017). Open accts with B of A: NONE.
Income reported: $75K
Cr scores: 725 - 760
So, is there a new "waiting period" after which you have closed a B of A account that you can not open a new account?
I understand the business side of B of A does not follow the same rules, but if I apply for biz card now, what are my odds for approval, and if low, how long should I wait?
Thanks for any RECENT experiences that can assist!
Feb 27, 2018, 12:11 pm
#877
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
According to this thread (and its sources), new business cards are not subject to a 2/3/4 evaluation:
https://www.flyertalk.com/forum/cred...24-months.html
But it's less clear whether a BofA business card you had in the past is counted in 2/3/4 evaluations for personal cards.
And the one thing we know from that thread is that not everyone is evaluated the same. So it's hard to figure out more details about this rule from a small number of datapoints.
Last edited by sdsearch; Feb 27, 2018 at 12:27 pm
Feb 27, 2018, 1:57 pm
#878
Join Date: Nov 2006
Location: LAX
Posts: 2,851
What exactly do you mean by "count"? There are two meanings to that: Whether a past business card is used in the 2/3/4 count when applying for a personal card (that's less clear), and whether a new business card is "subject to" a 2/3/4 evaluation.. (The same distinction is needed for Chase's 5/24: Some cards that are not subject to 5/24 still count towards 5/24 if you get them, while some cards that don't count toward 5/24 if you get them are still subject to 5/24 if you want to apply for them.)
According to this thread (and its sources), new business cards are not subject to a 2/3/4 evaluation:
https://www.flyertalk.com/forum/cred...24-months.html
But it's less clear whether a BofA business card you had in the past is counted in 2/3/4 evaluations for personal cards.
And the one thing we know from that thread is that not everyone is evaluated the same. So it's hard to figure out more details about this rule from a small number of datapoints.
According to this thread (and its sources), new business cards are not subject to a 2/3/4 evaluation:
https://www.flyertalk.com/forum/cred...24-months.html
But it's less clear whether a BofA business card you had in the past is counted in 2/3/4 evaluations for personal cards.
And the one thing we know from that thread is that not everyone is evaluated the same. So it's hard to figure out more details about this rule from a small number of datapoints.
I counted my biz card in the 2/3/4 rule. I think I am at 4 for 2 years so I wanted to know if I would be denied or not just based on the 2/3/4 rule.
Also, is it true that there won't be a hard pull if I have already reached the limit of 2/3/4?
all credit bureau frozen so not sure which to open.
Made 2 Alaska air award redemption for 2 Qantas first class tickets today so I need to replenish my Alaska account.
Feb 27, 2018, 2:37 pm
#879
Join Date: May 2009
Location: South Park, CO
Programs: Tegridy Elite
Posts: 5,678
Fellow Alaska / B of A pros:
I was denied for Alaska personal card last week; summary reason: "adequate credit extended for accounts you HAD with B of A or its AFFILIATES."
My last ALASKA personal acct with B of A closed 9/2017.
Last business Alaska card closed 9/2017 also.
Hard inquiries: 9 TU; 2 EQ
Open CC accounts with OTHER banks: 19
Applications with B of A in last 12 mos: about 3; approvals: one (4/2017). Open accts with B of A: NONE.
Income reported: $75K
Cr scores: 725 - 760
So, is there a new "waiting period" after which you have closed a B of A account that you can not open a new account?
I understand the business side of B of A does not follow the same rules, but if I apply for biz card now, what are my odds for approval, and if low, how long should I wait?
Thanks for any RECENT experiences that can assist!
I was denied for Alaska personal card last week; summary reason: "adequate credit extended for accounts you HAD with B of A or its AFFILIATES."
My last ALASKA personal acct with B of A closed 9/2017.
Last business Alaska card closed 9/2017 also.
Hard inquiries: 9 TU; 2 EQ
Open CC accounts with OTHER banks: 19
Applications with B of A in last 12 mos: about 3; approvals: one (4/2017). Open accts with B of A: NONE.
Income reported: $75K
Cr scores: 725 - 760
So, is there a new "waiting period" after which you have closed a B of A account that you can not open a new account?
I understand the business side of B of A does not follow the same rules, but if I apply for biz card now, what are my odds for approval, and if low, how long should I wait?
Thanks for any RECENT experiences that can assist!
Feb 27, 2018, 7:01 pm
#880
FlyerTalk Evangelist
Join Date: Jan 2005
Location: home = LAX
Posts: 25,934
I counted my biz card in the 2/3/4 rule. I think I am at 4 for 2 years so I wanted to know if I would be denied or not just based on the 2/3/4 rule.
Also, is it true that there won't be a hard pull if I have already reached the limit of 2/3/4?
all credit bureau frozen so not sure which to open.
Made 2 Alaska air award redemption for 2 Qantas first class tickets today so I need to replenish my Alaska account.
Also, is it true that there won't be a hard pull if I have already reached the limit of 2/3/4?
all credit bureau frozen so not sure which to open.
Made 2 Alaska air award redemption for 2 Qantas first class tickets today so I need to replenish my Alaska account.
Biz cards, as far as we know, are not subject to 2/3/4 limits, and also, you can't get a "wrong" business card like you can with the personal Platinum. So IMHO if you're not sure where you stand with 2/;3/4, the Biz card would seem a lot a safer than the personal card.
Feb 28, 2018, 9:21 am
#881
Join Date: Nov 2006
Location: LAX
Posts: 2,851
Do you have to apply for a personal card?
Biz cards, as far as we know, are not subject to 2/3/4 limits, and also, you can't get a "wrong" business card like you can with the personal Platinum. So IMHO if you're not sure where you stand with 2/;3/4, the Biz card would seem a lot a safer than the personal card.
Biz cards, as far as we know, are not subject to 2/3/4 limits, and also, you can't get a "wrong" business card like you can with the personal Platinum. So IMHO if you're not sure where you stand with 2/;3/4, the Biz card would seem a lot a safer than the personal card.
Do I have a good chance of being approved for Marriot biz card if I state one year in biz and zero revenue or best to state 2 years and several hundred dollars revenue?
Feb 28, 2018, 9:49 am
#882
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
thanks, I am short of Marriott points for the hotel and airfare combo deal with Marriot. Thus I need the biz card. I have not had this b4 but had the personal Marriott.
Do I have a good chance of being approved for Marriot biz card if I state one year in biz and zero revenue or best to state 2 years and several hundred dollars revenue?
Do I have a good chance of being approved for Marriot biz card if I state one year in biz and zero revenue or best to state 2 years and several hundred dollars revenue?
Feb 28, 2018, 1:19 pm
#884
Join Date: Jul 2009
Location: SEA
Posts: 2,556
You don't need to, but it is recommended.
From the wiki of this thread: "...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."
From the wiki of this thread: "...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."
Feb 28, 2018, 2:13 pm
#885
Join Date: Nov 2009
Posts: 519
DP: I applied personal card first and declined today, I called recon and she said can't approve because lots of accounts with them. I then applied for business card after few minutes and immediately approved with huge credit line. As I mentioned earlier I got approval for 3 personal cards in 2016 (all closed after reducing credit line) and applied once in 2017 but was declined for same reason.