Tag Archives: Bank of America

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July App-O-Rama Update: Several Reconsideration Calls Required to be Approved for 6 New Credit Cards

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Warning: if you are just starting out with rewards-earning credit cards, please do not apply for several credit cards at the same time.  You are responsible for your credit history and credit scores.  You have been warned…

Good evening everyone.  Last month, I wrote July 2015: My 8 Credit Card App-O-Rama Game Plan and I shared my plans/reasoning for applying for the below 8 credit cards.

App O Rama July 2015

After listening to your feedback and suggestions, I decided to make some changes to my App-O-Rama plan.  The table below shows the 7 credits that I ended up applying for.  Here are my reasons for not applying for a few of the credit cards:

  • The Barclays Arrival Plus Credit Card was not available for new applications on my App-O-Rama date.
  • I couldn’t get the targeted 75,000 offer on the AMEX Business Gold Rewards Charge Card, so I decided to wait for a better public offer.
  • I forgot that Citi’s “8 Day Rule” applies to personal and business credit cards, so I decided to apply for the Citi American Airlines Business Credit Card instead of the Citi Hilton HHonors Visa Signature Credit Card.
  • I decided to go for the Bank of America Spirit Airlines Credit Card instead of another Bank of America Virgin Atlantic Credit Card.

July App-O-Rama Final List

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App-O-Rama Update: Overturning Bank of America’s Spirit Airlines Credit Card Denial Letter

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Good morning everyone.  As part of my 8 card App-O-Rama in July, here is an update to my Bank of America Spirit Airlines Credit Card application.  Before I share my success story about denial letters and reconsideration calls, let me explain why I would ever want to fly on Spirit Airlines, let alone get a Spirit Airlines credit card.  The answer is quite simple.  Spirit Airlines has a distance-based chart (accidentally mislabeled as a region-based chart) and by having the Spirit Airlines credit card, you are able to book off-peak award prices.  This distance-based chart does not matter if the flights are non-stop or not.

Spirit Airlines Award Chart Off Peak Prices

Since I live in the Bay Area, Oakland Airport is my closest Spirit Airlines airport (I’m not sure why they mention San Francisco since it is 100% in Oakland.  I crossed out San Francisco so no one would get confused.)  They offer non-stop service from Oakland to Chicago (ORD not MDW), Dallas (DFW not DAL), Houston  (IAH not HOU), and Las Vegas (LAS).  I would never want to be on a Spirit Airlines flight that has 2-3 stops, so Myrtle Beach (MYR) and New York City (LGA) are out of the question.  I like the 4 non-stops to Las Vegas, but there are no non-stop flights after 2:32pm.  Come on Spirit, add some evening flights to Vegas!  It is interesting that Spirit Airlines does not fly OAK-LAX, since only Southwest Airlines flies that route.

Spirit Airlines Routes from OAK

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Email Address Issues Regarding clearXchange Network Payments from Chase, Wells Fargo, and Bank of America

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Updated 8pm PT on 8/3/2015: revised title of the post to make the title more relevant and specific to the issue.

Good afternoon everyone.  A few days ago, I received a Chase QuickPay payment from my friend.  It was my first time receiving a Chase QuickPay payment and I thought it would be a very simple, straightforward process of accepting the payment and having the funds get deposited to my Chase Total Checking account.  Unfortunately, the process was not very simple, but with a quick fix, the problem was resolved.  After clicking the Log In button from the Chase QuickPay payment email, I logged into my Chase account.

Chase Quick Pay Payment Email

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My Thoughts on my Younger Brother’s First App-O-Rama (2 out of 3 Credit Cards Approved)

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Good morning everyone, my younger brother (a recent UCLA graduate with a masters in engineering) had no credit cards 2 weeks ago.  I would often get text messages from him late at night asking me to buy something for him on Amazon or to pay for his apartment’s electricity bill.  He would then Venmo money to me for the exact amount that I paid.  He would argue that he was helping me earn “points” and would guilt trip me into helping him.  From a profit point of view, the “points” I would earn would be less profitable than 1 $500 VGC, therefore not a big deal to me.  Graduation Throwing Caps and Credit Cards

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Strange Approval for Bank of America Alaska Airlines Credit Card (Credit Lines Lowered/Moved)

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Good afternoon everyone, a few days ago I did an App-O-Rama (full details and results to come).  One of my credit card applications was for a Bank of America Alaska Airlines Credit Card.  I was instantly approved online for a $9,000 credit line.  If you are approved for a credit line over $5,000, you will receive the Visa Signature version that comes with a 25,000 Alaska Airlines miles sign up bonus on approval.  I will also get a $100 statement credit after spending $1,000 on the card within 3 months.  That is not the interesting part of the story though…

Bank of America Alaska Airlines Instant Approval

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