1 of 5
3 weeks ago
Fri Aug 23, 2024 8:47 pm
Saeren
Rebel Administrator
Recent HP or new account.
BoA was one of two banks I burned in my BK (US Bank was the other)... They were actually the first bank to give me credit. I have applied a few times here and there and always been denied, sometimes with no HP, others with an HP and being told I opened too many accounts recently.
Well, I wanted another SUB if I'm being honest. This has been a very expensive year. The SUB for this card is $200 for $1K of spend, a reasonable figure when I already have most of the $150-$200 $500 cards.
Something told me to just YOLO it so I did.
It is my understanding that it's rare for BoA to even approve people instantly who don't have an existing relationship. I'm not even remotely unhappy about the limit. $19,500 instant approval is among the highest approval I've ever had. No idea what the APR is. It's strange that they don't show that in the app?
Reported income: $70K
2/12, 4/24
$0 revolving debt
Pulled Experian - EX8 767
Click images to enlarge them.
TCL $281,950 | 28 credit cards | $10,070 ACL
-
Score data
TU8 799/EX8 786/EQ8 805
EQ5 770/EX2 757
8/18/2023 - Classic 8 Scorecard CLEAN/THICK/YOUNG/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NEW-ACCOUNT
- AoOA 14y
- AoORA 10y
- Date of Last Inquiry and/or New Account Opening August 23rd, 2024
- Garden Goal 6