scwam

BOH = Experian pull under FIA
BOA = Experian pull, and then again next day "just to be sure" 2 pulls by BOA

duranza

So everyone is paying the annual $75 fee for each card?

Stoughton

No choice, it's charged on the 1st statement

emptiness

There is a trick to have it waived. Very unusual way. I did it with my boa virgin Atlantic card.

Stoughton

Eh, not worth the hassle

stupidzbu

what is the trick?

emptiness

Yeah not worth for those who can easily afford. It is not easy too. So pay or cancel

mnscout

Just pay the fee.

Think about it this way: $150 for a 4-night stay at some of the best Hiltons around the world (provided you have an Amex too). If that's not worth it, I don't know what is.

aviator8

I have been waffling back and forth on whether to see if anyone has any experience with my wife’s situation as it is fairly unique, but decided I would put this out there, as some may have some insight into parts of this.
We both recently an AOR each. Mine went fine with 4 of 4 all approved. My wife targeted some different cards and didn’t fare as well. She was approved for 3 of 4. She applied for the two Hawaiian cards, one BOA, one BOH as part of her 4 cards. She was instantly approved for 1 (BOA) and got the “we will get back to you” on the other. She left on a trip so we just waited for the letter instead of calling the recon line. The letter came and stated the reason for denial as sufficient credit already extended. So we made the reconsideration call and things got screwy from there:

She hates calling as English is her second language and doesn’t feel as confident negotiating in English, so she usually answers the security questions then tells them to talk to me. We did that, and got a senior credit specialist on the line, and I told him that we were surprised at the denial as her credit score is near 800, with very low credit utilization and a perfect payment history on all credit lines and loans. He took a new look at the application, and we talked briefly about her wanting to separate her spending between two cards thus two applications. In both apps she listed homemaker as the occupation, and our combined household income. He got to that and wanted know who earned the income, which is me. He then said he would have to cancel the approved credit card! I tried negotiating with him on that explaining that any money I make is available to my wife and that we are a community property state. According to him that changed in Sept of last year unbeknownst to me so she can’t apply with shared household income. So basically we were only offered one solution, which I did but I am not sure whether it was best decision. He said he could rerun the apps with me as a co-applicant. My concern with that was twofold both of which I discussed with him:
1 I did not want to incur 2 hard inquiries as well as the 2 my wife incurred. I explained my position that since he was considering both apps at the same time he should be able to do 1 pull and use that pull to make a decision on both. He agreed to this.
2 I wanted to make sure that by being a co-applicant that I would not be excluded from applying for the same offer myself in the future. He said I would not be excluded. We all know how things work with CSR’s though.
I agreed, and he approved her for both after adding my details as a co-applicant. He was very knowledgeable and helpful, and I was generally satisfied with the results as I figured my wife already got 2 hard inquiries and to walk away with nothing would be silly when I could suck it up and take 1 more inquiry to help her get the 70K miles. Secondly I was going on faith that what the CSR told me would indeed be true about me still being able to get the offer in the future.

Skip forward a few days. I get an alert on Credit Karma and log in to verify what it is. It is not what I expected. Instead of 1 hard inquiry, they hit me with two for me being a co applicant, one on each application. I called them back, and they verified that was true. After a lengthy discussion they agreed to issue a direction to remove one of the 2 inquiries to the credit bureau. I haven’t seen anything fall off yet though, and I have my doubts that it will.

Receiving all the correspondence on this was confusing as all heck because there are individual mailing for each person for each credit pull with an approval or denial, then mixed in was the approved card, and approval letter, and denial letters and revocation of the account for the one they cancelled. The one that they canceled was the BOA card, which we never even tried to activate.

Today we got all this mail with the cards that she finally got approved for. I sorted it all out and determined everything was in order, and my wife called and activated the cards, and on each call confirmed that the offer was 20K on first purchase, and 15K after 1k in 4 months. I was slightly annoyed because each package had a card in my name, and I specifically told them that I do not need or want a card, I am only on the app as a co applicant for her approval.

Then after activating the cards I noticed that they were exactly the same both BOH cards. The senior credit specialist I dealt with did not redo one of each app for reconsideration, with me as the co-pplicant he did 2 BOH applications. Geez! Now I have a bunch of questions and hope some can at least shed some light or experience on what I can expect:


• Was it a wise decision to go the co application route?
• Do you think I have excluded myself for doing these cards myself? Now that they actually issued me a card I have no idea (I do not plan on activating it.)
• The big question is will she get both bonuses since this is not a BOA and a BOH pair, it is two identical BOH cards? The signup bonus was confirmed by reps on each call
• Am I pissing up a tree trying to get a hard inquiry pulled from my report?

I am generally irritated by all these little errors, that are culminating into a potential situation where she may get a pittance of points for the hard pulls and might exclude me from getting in on it, Lots of mistakes and misinformation here makes me not even want to mess with these guys anymore. If you were in my shoes what would you do? Call, try to get it all straight and potentially screw things up further, or just let it ride and see what happens? I know this is kind of long winded, and that many answers may be speculation, but I would appreciate the feedback if you feel you have a relevant experience that might answer my questions

skibum7732

I would have told them she earns $x amount of income (I *pay*her for her household duties, but I would not offer any info unless pressed for it). I would not have trusted the co-application, as I doubt you will be eligible, but with different ff#, possibly. I would send secure message to get bonus terms in writing. Hard pulls...depends on how many you have and how many more cards you plan on applying for in next year

ma91pmh

I'm happy to pay. Have indeed paid. But now i am just plain curious.

TTnC4me

Applied for both a few days ago. Called BofA app status line and heavily accented man ultimately told me congratulations for approval. I should have just called right back because he only quoted one app. Called just now wishful thinking but the analysts are gone til Monday. My HA app is still showing pending...shouldn't be a problem come Monday.

However, in reading this thread, I wrote down the many numbers folks have supplied and it's quite comical.
BofA:
status: 1-877-721-9405
recon: 1-866-458-8805 or 1-866-459-5251

Bof H:
1-888-503-6090 (this one quoted most often)
1-800-893-6032
and the rep just now gave me 1-866-867-6339

Seemingly it doesn't matter which number is called and the rep can see both apps.

stupidzbu

In what sense? You wanted the cards and you wanted the miles. You got them. What is your question exactly? Was it worth all those hard pulls? That is up to you.

Personally, I had my sister be co-applicant to prevent being booted from the promo. FWIW it is like being a cosigner, you are responsible for the debt but not associated with the account. In your instance, however, I think they did a JOINT account, not a co-signer type thing.

My sister never received cards under her name for the wife's account.

Well, the cards are churnable and again, based on my experience, it sounds lie you were added as a joint account holder, not a co-signer.

What should worry you more is all those hard pulls. I think there is a 90 day waiting period to churn these or something like that. You probably put yourself 180 days out.

If they are 2 different account numbers and show up as 2 different cards online, then I don't see why not.

I've tried before ... waste of time unless you have time to waste like I have

stupidzbu

so .. umm... how do people do BofH online accounts to manage their accounts?

I can only find something for checking/savings and then loans but not a CC management thing

All links and google searches send me here:

https://www.boh.com/apps/ebankoh/index.asp

cyin

Register here:

https://www.ibsnetaccess.com/NASApp/...s/LoginDisplay