![]() You can get a refund if you cancel your card.If a credit card has been closed out, it can be re-instated upon request after being closed. If the card was closed by mistake or for a short time period, you could be able to convince them to re-open it for up to six months, but it will require a hard pull.So, pay off your balance off earlier if you need to lower your credit utilization for FICO score purposes. Bank of America will report your credit utilization as what shows on your statement balance.This could be an inconvenience for those who need a larger credit line extended to them to make purchases. A credit limit increase request will may result in a hard pull. Typically, if a credit limit increase request is made, it will result in a soft pull for some issuers, but here it will most likely be a hard pull.Bank of America will usually match you to the higher bonus amount if they see that it hasn’t been too long of a time period between your application/approval and when you request the match. If you see a higher sign-up bonus, you can be asked to matched that. You have the ability to request a sign-up bonus match.When your card has been open for 180 days (or 180 days after the annual fee posts in the second year and onward) call them again to try to earn free points/miles. We recommend calling their retention department to ask about waiving the fee after the annual fee is posted to your account. Bank of America will often waive the annual fee on your card, but you must ask.When your card is activated, that is when the period will start for you to meet your minimum spend requirement.For Alaska cards, they will give you the credit card number instantly, upon approval of the card. They do this to allow you to use it immediately online if you need to make purchases immediately.In the past, you were not required to have waiting period in between card applications, but like other credit card issuers, this has now become more strict. There’s a possibility to churn Bank of America cards, if you choose to do so. ![]() For instance, if you’re not approved for the Signature card, then they might approve you for the Platinum card instead that will have a lower sign up bonus. ![]() A lot of the Bank of America credit cards have different tier levels associated with them (e.g Signature, Platinum, Secured). You may receive an inferior offer instead of being denied.There is a possibility that you can mix both business and personal card applications. The catch though is that you can only apply for one credit card per day, so the key to this is to to add in charge cards to be successful. This will then be considered as a single inquiry. If you apply for more than one American Express card and your applications are approved on the same day, all of the hard inquiries will be combined. If you apply for multiple Bank of America cards, the hard inquiries will be combined. ![]() If you are denied when applying for a Citi credit card(s), call their re-consideration line.
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