B of A is a joke. I was tempted to apply for an Amazon card that they sponsored (it offered a cash bonus upon acceptance) and they actually declined it even though I have a FICO score of 820.
#10 I checked my credit score at credit.com and it had fallen due to my having 5 cards with 3 paid off a long time.
I pay on time and never a ding. It was over 800 for years.
A+ for Payment History.
Now under because they gave me a B- for debt usage.
A ‘B’ for Account mix. 54 mo. Youngest Account, 219 mo. Oldest Account
I use the 2 other cards and have a 26% Debt to Limit Ratio.
My car was recently paid off (nov) so only 2 cards with debt.
Next January I will pay off the 2 cards thanks to stock going up.
Pay next year to avoid taxes for 2023 : )
I wonder if I will be dinged for not having any debt?..... !