Okay, I know last week I said I probably wasn’t going to apply for the Bank of America Virgin Atlantic card, but after reviewing the airline partners I couldn’t resist. That many miles is too good to pass up. After doing the math, I’ll end up getting 75,000 miles up front after completing the $12,000 in spending plus an additional 18,000 miles for the $12k in spending (you get 1.5 points for every dollar spent. $12,000 x 1.5 = 18,000 miles.) 

Bank of America

Here is a list of Virgin Atlantic’s airline partners. Most notable on the list for me is Delta and Hawaiian Airlines. I could fly to Hawaii on Delta for 65,000 miles from Minneapolis, or I could fly to Hawaii from California on Hawaiian Airlines for 40,000 miles round trip (80,000 miles if I want to go First Class). Although I could use the Virgin Atlantic miles out of Chicago, I am probably not going do this since Virgin has such high fuel surcharge fees.

Delta Airlines

Hawaiian Airlines

So far this year I’ve been approved for quite credit card applications and it seems like everyone likes to pull from Experian! I’ve had 4 American Express cards this year, 4 Citi cards, 1 Capital One, and 1 Barclaycard. I did a little bit of research and it appeared that Bank of America would also pull from Experian if I applied for the card. I had a strong feeling that I’d be denied after they’d see all my credit inquires. Therefore, I was a little devious and I decided to route Bank of America to pull Equifax for me!

 

Here’s how I was able to get Bank of America to pull Equifax so I could hide all my Experian inquires:

  1. Visit Experian here and request them to put a freeze on your credit. The cost is $5.
  2. Visit the Bank of America Virgin Atlantic credit card application here and apply.
  3. You’ll most likely not get approved (if Bank of America pulls Experian in your area!) If you’re denied like I was for having a frozen credit report, I called the Spanish backdoor reconsideration phone # at 1-866-865-7843. As soon as they pick up, just be polite and ask if they speak English. If they say yes, ask if they can assist you with your recent application.
  4. Ask the Spanish customer service representative if it’s possible to pull Equifax since your Experian has a freeze on it. I didn’t have to explain why there was a freeze. Within 5 minutes I was approved!

Please note that the above trick does NOT work for all banks! Some banks may require you to lift the freeze for them since they only pull from that credit bureau. I had read online that Bank of America will pull from another creditor if you ask nicely. I figured I’d give it a shot and it worked! Immediately after I was approved I followed the same steps above for my partner. I froze his Experian, applied online, called the Spanish backdoor recon phone # and was able to get him approved as well!

Looks like we’ll be going to Hawaii sometime in 2015 or 2016!