Took almost ten days to deny me. I have excellent credit (almost 800) no debt no public records with over 20 years of excellent credit. I guess they like risky clients they can get high interest rates with!

Felt like I needed to write a review since I had seen so many applicants complaining. 800+ credit score, no mortgage, ~$30,000 in other debt. I was approved for $19k on this card. Great card if you can get it.

Received a letter of pre-approval and decided to apply to take advantage of balance transfer offer. I have a great credit score, Credit Karma said I had great approval odds. I was denied!

Declined

Credit score 777, applied for 21 months 0% interest, got approved instantly for $19k. Not sure why a lot of people got denied, the devil in their details that we might not be getting in the reviews...

DO NOT APPLY EVEN IF YOUR SCORE IS MID 800'S WHICH OURS IS & WE WERE DENIED. We were only applying to take advantage of 0% APR (didn't really need it). But for CK to inform us our chances were excellent, only to be denied, I needed to inform others like ourselves DONT DO IT, DONT ATTEMPT TO GIVE BOA YOUR BUSINESS plenty of others out there that will recognize and REWARD you for your truly EXCELLENT CR rating. Alas, we applied w/both our existing banks, IMMEDIATELY approved w/their advertised 0% APRs. Should have gone straight to them than waisting OUR time on CK recommended BOA CC, who could NOT immediately approve us & took a wk to inform us, we were denied. I'm not sure what game this is, but we will NEVER consider BOA EVER again. Hope this review helps their next victim DONT DO IT

I have excellent credit and was rejected...Why??

I have a credit score around 800, payed off home no mortgage, own my cars no payments, no home equity loans or personal loans. make almost 90K per year. They approved me for an 11K limit card. No real issues. Limit is much lower than my other cards. seems ok.

Dear BofA, I am already a BofA credit card holder, I use my card several times monthly, and have never been late on a payment at any bank, and my credit score is excellent. Yesterday I received a prescreened offer for your card so I applied, and today I received an email that I was declined. So I'm curious—if anger can be considered curiosity—why do you keep sending me pre-screened offers for new cards, just to decline my application. You already knew my credit score (which is 785, with no negative reporting—ever.) Are you not aware that asking me to apply for more cards from you, only to deny my application despite my excellent credit rating, harms my credit report? You have now done this to my credit report twice in in past the 2 years. There is nothing concerning in my credit report, and if you have prescreened me with a soft pull then you surely already knew my 785 credit scrore. So why do you send me incessant letters begging for me to apply for new cards if I didn't meet your criteria? How many applicants' credit reports do you regularly harm with unnecessary hard pulls, just because they had the audacity to respond to your barrage of prescreened offers? Please learn how to how to prescreen effectively so that your practice of pointlessly harming applicants credit scores is no longer your norm. In the meantime, you can find examples of my reviews of BofA for this type of irresponsible behavior online, at sites including wallethub, consumeraffairs, creditkarma, and youtube.

Credit karma said I had a very good chance of approval for BofA. I applied while in the app as instructed and 4 business days later received my card for $5000. They tell you, if you apply outside of the app l, you may not be approved.