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
Post

My bankruptcy recovery is complete! Bank of America Customized Cash Rewards

1 of 5
3 weeks ago
Fri Aug 23, 2024 8:47 pm
User avatar
Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 48 minutes Next Level in6 days, 11 hours, and 12 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 12 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 12 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 12 minutes
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. Image 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
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
4
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Re: My bankruptcy recovery is complete! Bank of America Customized Cash Rewards

2 of 5
3 weeks ago
Fri Aug 23, 2024 8:51 pm
User avatar
Cassie
DeveloperLoves long talks on the beach
Cassie has been gardening for over 2 years.
Level55 Last INQFriday, February 14, 2020 Gardening For4 years, 7 months, 2 days, 12 hours, and 48 minutes Next Level in27 days, 11 hours, and 12 minutes on October 14th INQ 1yr onSunday, February 14, 2021 INQ 1yr reached3 years, 7 months, 2 days, 12 hours, and 48 minutes ago INQ 2yr onMonday, February 14, 2022 INQ 2yr reached2 years, 7 months, 2 days, 12 hours, and 48 minutes ago
Saeren wrote: ↑Fri Aug 23, 2024 8:47 pm $19,500 instant approval is among the highest approval I've ever had.
I'm stunned. This is such a great data point! Yet another 'never would have believed it to be possible' ! So happy for you! :)
Cassie
User avatar
Developer
  • Score data EQ8:790 TU8:790 EX8:795
1
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Post

Re: My bankruptcy recovery is complete! Bank of America Customized Cash Rewards

3 of 5
3 weeks ago
Fri Aug 23, 2024 9:07 pm
User avatar
Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 48 minutes Next Level in6 days, 11 hours, and 12 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 12 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 12 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 12 minutes
Cassie wrote: ↑Fri Aug 23, 2024 8:51 pm
Saeren wrote: ↑Fri Aug 23, 2024 8:47 pm $19,500 instant approval is among the highest approval I've ever had.
I'm stunned. This is such a great data point! Yet another 'never would have believed it to be possible' ! So happy for you! :)
Trust me, I didn't believe it was going to happen. I was fighting myself the whole way through unlocking my credit reports because it was in my mind but my intuition said otherwise.
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
1
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Post

Re: My bankruptcy recovery is complete! Bank of America Customized Cash Rewards

4 of 5
3 weeks ago
Tue Aug 27, 2024 1:32 am
User avatar
Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 12 hours, and 48 minutes Next Level in6 days, 11 hours, and 12 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 11 hours, and 12 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 11 hours, and 12 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 11 hours, and 12 minutes
The APR now shows on the website. 0% until November 2025, 21.24% after. This is 2% higher than the lowest advertised APR, and 8% lower than the highest advertised APR, which is pretty good considering my history with BoA.
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
2
Top
Post

Re: My bankruptcy recovery is complete! Bank of America Customized Cash Rewards

5 of 5
3 weeks ago
Thu Aug 29, 2024 5:34 am
User avatar
Dinosaur
Seasoned RebelDinosaur
Level5 Last INQMonday, April 8, 2024 Gardening For5 months, 8 days, 12 hours, and 48 minutes Next Level in21 days, 11 hours, and 12 minutes on October 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in6 months, 22 days, 11 hours, and 12 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 6 months, 22 days, 11 hours, and 12 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 6 months, 22 days, 11 hours, and 12 minutes
Saeren wrote: ↑Fri Aug 23, 2024 8:47 pm 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. [Quoted post had an image here.] 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
Holy Smokes ... you are "on fire"... :)
Dinosaur
User avatar
Seasoned Rebel
  • Score data EQ8:807 TU8:802 EX8:799
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