Tag Archives: Bank of America

a close up of a credit card

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

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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a logo for a bank

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

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)

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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a blue and black logo

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

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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July 2015: My 8 Credit Card App-O-Rama Game Plan

Disclosure: if you are just starting out with credit cards, do not follow in my footsteps.  I have years of experience with credit card applications, reconsideration calls, and managing my finances.  You are responsible for your credit score and finances.  You have been warned.

Good evening everyone, I hope you had a great weekend.  I got sunburned Saturday sitting at Faction Brewery in Alameda and got another sunburn Sunday on a hike.  After doing my Sunday chores, I decided to plan my upcoming App-O-Rama.  Here is my current App-O-Rama plan.  Please let me know if you have any thoughts on the credit cards I am applying for.

a table with numbers and a few points

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