My 8 Credit Card App-O-Rama Results (Mostly Bad News)

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Good morning everyone, I hope you all has a great weekend.  A few weeks ago, I applied for 8 new credit cards during my App-O-Rama.  Here are the 8 credit cards and sign up bonuses that I applied for (not in this particular order).  Unfortunately, my App-O-Rama skills are not as good as they used to be and I was (ultimately) declined for most of these credit cards.

  • Bank of America Alaska Airlines Visa Signature Credit Card: 30,000 AS Miles + $100 statement credit after spending $1,000 in 3 months ($75 annual fee)
  • Bank of America Virgin Atlantic Credit Card: 75,000 VA Miles after spending $12,000 in 6 months ($90 annual fee)
  • Bank of America Amtrak Rewards Credit Card: 30,000 Amtrak Points after spending $1,000 in 3 months ($79 annual fee)
  • US Bank Altitude Reserve Credit Card: 50,000 FlexPoints ($750 in travel credit) after spending $4,500 in 3 months ($400 annual fee)
  • Wells Fargo Visa Signature Credit Card: 20,000 Go Far Reward Points after spending $1,000 in 3 months ($0 annual fee)
  • First Bankcard Best Western Credit Card: 50,000 Points after spending $1,000 in 3 months ($59 annual fee, first year waived)
  • Synchrony Bank Cathay Pacific Credit Card: 50,000 CX Miles after spending $2,500 in 3 months ($95 annual fee)
  • Barclays Wyndham Rewards Credit Card: 45,000 Wyndham Points (3 free nights) after spending $2,000 in 3 months ($75 annual fee)

Long story short, I applied for 3 Bank of America credit cards, starting with the Bank of America Alaska Airlines Visa Signature Credit Card.  I recently closed my previous Bank of America Alaska Airlines Visa Signature Credit Card a few weeks ago, so I was ready to apply again and earn more Alaska Airlines miles.  Unfortunately, my application went to pending.  Since I was not immediately declined, I decided to apply for a Bank of America Virgin Atlantic Credit Card.  Surprisingly, I was instantly approved for that credit card with a pretty small credit limit.  With that success, I decided to apply for a Bank of America Amtrak Rewards Credit Card.  Unfortunately, that application went to pending as well. 1 out of 3 instant approvals was not bad.  I was hopeful that the 2 pending applications could be approved with a short reconsideration call.

A few days later, I checked the status of my Bank of America credit card applications and only my Virgin Atlantic credit card application was approved, the two other credit card applications were declined.  It was strange that my second credit card application was approved, but the first and third application were declined.  But that is Bank of America for you.

Here are my two credit card declined letters from Bank of America.  It is also funny that the reasons for the declined credit card applications differ.

Here is my Virgin Atlantic credit card approval letter.  I received another letter from Bank of America stating that they had to move credit from one of my other Bank of America credit cards in order to approve me for the Virgin Atlantic credit card.

Here is the Virgin Atlantic credit card welcome letter.

Here is the front and back of my new Bank of America Virgin Atlantic Credit Card.

After activating the new credit card, the credit card automatically showed up in my Bank of America online account.

Moving on, I also applied for a US Bank Altitude Reserve Credit Card.  Unfortunately, I got a pending decision on that application too.

A few days later, I received the denial letter from US Bank.  I then called the US Bank reconsideration department and asked if they would reconsider my application if I moved some of my credit from my other US Bank credit cards.  I have 2 other US Bank FlexPerks credit cards, so I would be willing to move credit from those credit cards. Unfortunately, that plan didn’t work either and I received the same denial letter a few days later.  I plan on redeeming my 20,000+ US Bank FlexPoints for a ~$400 airline ticket before the December 31 devaluation.  I will try again for this credit card in a few months.

I also applied for a Wells Fargo Visa Signature Credit Card and received another pending decision.  A few days later, I received a denial letter from Wells Fargo.  I called the Wells Fargo reconsideration number and asked if they could reconsider my application if I moved credit from my other Wells Fargo credit card.  Unfortunately, that option was turned down and I gave up on getting a second Wells Fargo credit card.

I also applied for a First Bankcard Best Western Credit Card.  I want to get a credit card for every hotel chain, so that when I travel, I have as many hotel options as possible.  Unfortunately, my application went pending.  A few days later, I received an email regarding my credit card application status.  That sounded like good news, so I clicked on the link to check the status of my credit card application.

I entered my personal information and clicked the Submit button.  Unfortunately, I was declined for the Best Western credit card.  What has my life come to?

I also applied for the Synchrony Bank Cathay Pacific Credit Card. Luckily, I have good news about that application.  I was approved and wrote this blog post: Cathay Pacific Visa Signature Credit Card Application Process, Card Design & Welcome Kit.

Last but not least, I also applied for the Barclays Wyndham Rewards Credit Card.  That credit card application was interesting and worthy of it’s own blog post, so check back tomorrow to see the result of that credit card application.

If you have any questions about my App-O-Rama, please leave a comment below.  Have a great day everyone!

27 thoughts on “My 8 Credit Card App-O-Rama Results (Mostly Bad News)

  1. daVE

    Did you check the US Bank page to see if you were pre-approved for the Altitude? I’m curious how accurate it is since it is showing me as pre-approved. Also, how many Barclays cards did you have open and how large were the credit limits? When was the last time you applied for or closed a Barclay’s card?

    Reply
    1. Grant Post author

      I did not check with US Bank to see if I was approved for any credit cards. I had three open Barclays credit cards before applying for my fourth credit card. Credit lines were between $5,000 and $10,000 each. My last Barclays credit card application was three months ago, and I haven’t closed any Barclays credit cards in over a year.

      Reply
  2. Marshall

    So how many credit inquiries did you have in the last 24 months?
    And just how many credit card inquiries are “too many” for B of A? I had a friend with a 775 score he got turned down for the Spirit Airlines card. But then he applied for Barclay’s AA card and was approved for over $5000.
    I want to apply for the Bank of America Premium Rewards but I want to get approved immediately. Right now I’m at 12/24. But in one more month I’ll be at 10/24 so I’ll apply at that time and get approved.

    Reply
    1. Grant Post author

      I probably have 20+ inquiries over the last 24 months. I had 3 other Bank of America CCs before this AOR. Good luck on your BofA Premium Rewards CC application :)

      Reply
  3. David

    Dang! Those are brutal results. Nice to see a blogger post it though. My apps recently have also trended a lot more towards uncertainty and denials so some cards I don’t even apply for when I read lots of declined DP’s. I went for the new BOA anyway and – declined even after recon. I’m also like 30/24 so the options are slim. Maybe the forced slowdown for those of us who’ve been around awhile will help us Long-term be able to get better cards or qualify for chase 5/24 again. So slow though! I hate spending on my cc’s if there’s no sign-up bonus for it. Who wants 2-5pts/$1?!?!

    Reply
  4. travelinpoints

    US Bank is brutal. I’ve been declined 4 times for AR. Recon did not help and neither did applying at branch which supposedly has different set of folks reviewing apps. Best part is they keep sending me pre-qualified for other cards. Their pre-qualification doesn’t mean much.

    Reply
    1. Grant Post author

      US Bank likes to toy with us travel hackers and our beloved credit card rewards. How many other US Bank credit cards do you have? I have 6 other US Bank credit cards.

      Reply
      1. travelinpoints

        I’ve had 4 + checking. I recently threw away 2 FP cards but that didn’t help either lol. Funny thing is I would not churn this card and I would even buy a Samsung device for this card.

        Reply
  5. RV3

    Thanks for the App-o-rama insight…seems the approach is throttled with all the changes credit card issuers have implemented #goodolddays…but I’ve got couple Qs…1)do you know the approval rate of your previous App-o-ramas??? 2)how much does Other Banking Product Relationships (Direct Deposit w/100k+ Income, Mortgage, HELOC, Auto Loan, etc.) affect your ability to get approved??? Another good post Grant

    Reply
    1. Grant Post author

      I don’t have an exact number for you, but I am usually in the 70-90% approval rate on previous App-O-Ramas.

      I don’t think having other banking products makes much difference, unless you apply in branch with certain bankers.

      Reply
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