{"id":10591,"date":"2024-10-30T04:00:00","date_gmt":"2024-10-30T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=10591"},"modified":"2024-10-30T11:16:18","modified_gmt":"2024-10-30T17:16:18","slug":"bank-of-america-followup-to-the-followup","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2024\/10\/30\/bank-of-america-followup-to-the-followup\/","title":{"rendered":"Bank of America, Followup to the Followup"},"content":{"rendered":"\n<p>Bank of America&#8217;s written rules and their real life behavior never quite matched one another. Some of the consequences of the mismatch include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Business cards aren&#8217;t really limit one per product type, despite the language<\/li>\n\n\n\n<li>Hard-pulls are combined for between 1 and 30 days, generally<\/li>\n\n\n\n<li>Phantom credit lines can exist in Bank of America&#8217;s systems for a year after you close a card<\/li>\n<\/ul>\n\n\n\n<p><a href=\"https:\/\/milesearnandburn.com\/index.php\/2021\/08\/09\/bank-of-america-followup\/\">There&#8217;s more detail about the quirks and app-o-ramas in the Bank of America Followup post from 2021<\/a>, but in the past several months things have changed. Multiple data points now suggest that if you apply for more than 3-4 cards on the same day:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You may be still be approved for all cards on the same day<\/li>\n\n\n\n<li>A day or two later, only one card shows up in your online profile<\/li>\n\n\n\n<li>Several days later, emails or letters show up saying all applications but your first are denied<\/li>\n\n\n\n<li>If you&#8217;re really unlucky, Bank of America will close your accounts (this is rare)<\/li>\n<\/ul>\n\n\n\n<p>This isn&#8217;t entirely consistent, but it happens enough that it&#8217;s time for some new guidance on Bank of America app-o-ramas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Stick to between one and three cards for safety<\/li>\n\n\n\n<li>Stagger your applications across days<\/li>\n<\/ul>\n\n\n\n<p>Generally you&#8217;ll still only have one hard pull on your credit report too, and you can freeze your reports after the first application to make sure.<\/p>\n\n\n\n<p>Good luck!<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"564\" height=\"626\" src=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/10\/image-19.png\" alt=\"\" class=\"wp-image-10592\" style=\"width:420px\" srcset=\"https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/10\/image-19.png 564w, https:\/\/milesearnandburn.com\/wp-content\/uploads\/2024\/10\/image-19-270x300.png 270w\" sizes=\"auto, (max-width: 564px) 100vw, 564px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"has-text-align-center\" style=\"font-size:14px\">Following up requires a followup to the shirt too.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Bank of America&#8217;s written rules and their real life behavior never quite matched one another. Some of the consequences of the mismatch include: There&#8217;s more<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[69,62],"tags":[],"class_list":["post-10591","post","type-post","status-publish","format-standard","hentry","category-bank-bonuses","category-shenanigans"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10591","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=10591"}],"version-history":[{"count":4,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10591\/revisions"}],"predecessor-version":[{"id":10597,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/10591\/revisions\/10597"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=10591"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=10591"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=10591"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}