Here’s something you don’t ever hear from BOA: “I’m sorry we can’t approve you for a card at this time.”
Currently, I have a balance of 7,000 Alaska points which would get me from Juneau to Fairbanks if I was lucky. In order to shore up this meager balance which is a result of booking another Emirates flight to Shanghai en route to Tahiti, I applied for an Alaska Airlines credit card. A week ago, I successfully made a $32,000 purchase on my current Alaska card to fund my Citi Gold Checking account, a topic for a separate post.
I figured that 32k + 25k + 7k would be a nice way to start off the new churn year and that this time I would be more judicious with my use of Alaska points. Flying Emirates in Shower Class is great but because the walls of the points hustle are closing in, it would be more advisable to save the precious Alaska points for a round trip in business.
I was not afforded the opportunity to apply this wisdom because I was rejected and given the lame US Bank/Barclays excuse, “too many inquiries.” Hearing this from BOA is like being called a drunkard by your alcoholic friend. Have I hit rock bottom? Do I really have too many inquiries? Should I reevaluate my points life? (see what I did there?)
Maybe I’ll take a small break. I mean Citi did just approve me for a Citi AA personal and Citi AA business last week. Hmm, maybe that means things aren’t out of control. Maybe things are fine.
There’s only one way to cure this rejection hangover: more applications!