My Atmos Rewards Summit Card Application Approval Experience - Bank of America

My Atmos Rewards Summit Card Application Approval Experience

Ben Schlappig — Wed, 15 Jul 2026 23:51:23 +0000

Link: Learn more about the Atmos Rewards Summit Visa Infinite Credit Card

Continue reading: My Atmos Rewards Summit Card Application Approval Experience

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RE: My Atmos Rewards Summit Card Application Approval Experience

FrozenKiwi — Wed, 15 Apr 2026 02:55:11 +0000

I applied twice when it first came out. Horrible customer service. The site said I was declined both times. Turns out I wasn’t actually declined, but they just needed to verify my identity. After getting the letter (anyone heard on an online form over at BoA??) I sent in everything they asked for and I got back a standard letter saying I was declined because they couldn’t confirm my identity, which made no sense. I replied to that with even more details, a cover letter and 6 forms of identification… and received the same response. I spent hours and hours trying to call, go into branches trying to find someone who could help. No real people could. I applied again a few months later and got the same need to confirm identity letter even though I had set up a BoA investment account (to get that bonus) earlier hoping that it would help confirm my identity. So it’s absolute bullocks that they couldn’t identify me especially with the 6 forms of identification I sent in… I simply wanted a real human explanation or to have a real human help me verify. I’m tempted to try again, but god, I wish AS didn’t use BoA. It’s so bad.

FrozenKiwi — Wed, 15 Apr 2026 02:55:11 +0000

RE: My Atmos Rewards Summit Card Application Approval Experience

NK3 — Tue, 14 Apr 2026 22:15:14 +0000

@jnrfalcon I had a similar experience when it first came out. Was denied in August, and tried again a little over 2 months later before the original 100k bonus went away, with a second denial for reasons similar to yours. However, I was just approved for the Summit at the beginning of this month, so it can happen!

NK3 — Tue, 14 Apr 2026 22:15:14 +0000

RE: My Atmos Rewards Summit Card Application Approval Experience

Beavis Christo — Tue, 14 Apr 2026 21:57:52 +0000

Was wondering the same things @Ryan/ Some reheated post?

Beavis Christo — Tue, 14 Apr 2026 21:57:52 +0000

Was wondering the same things @Ryan/ Some reheated post?

RE: My Atmos Rewards Summit Card Application Approval Experience

CoryCesar — Tue, 14 Apr 2026 21:39:50 +0000

@jnrfalcon, your experience is not unique. Despite excellent credit, being in middle-age with good income, and a seven-year relationship with BofA (Ascent/Predecessor in good standing), I was denied twice with no satisfactory explanation. I've decided to replace the Ascent's credit limit (multiple 10s of ks) with another card and close my BofA relationship. I'd give up on these clowns, too.

CoryCesar — Tue, 14 Apr 2026 21:39:50 +0000

RE: My Atmos Rewards Summit Card Application Approval Experience

cy — Tue, 14 Apr 2026 21:09:29 +0000

@ben: do we now if non AA one world elites (for example through Atmos) will be able to still assign seats free and assign upgraded seats on basic economy fares? To me that would be a compelling reason to have non AA one world status.