I recently picked up an personal Alaska Visa card, then tried to get another one soon after. It was automatically denied. Like, straight up the answer is no.
That’s unusual, so I thought it may have been because I didn’t lower the limits on my existing Alaska cards before applying. Not wanting to waste the hard pull on my credit (because multiple inquires on the same day are combined), I applied for the business version of the card and was instantly approved.
But I didn’t want to let it go. I called the next day to speak to a credit analyst (they are open 8am to 7pm and I usually apply for new cards late at night while tipsy) for reconsideration.
I offered to lower my limits on one of the other cards, as they are pretty high (like $20,000 each), but she said the denial had nothing to do with my credit score or account history. And moving credit lines wouldn’t help me, either.
I was denied because I already opened a personal Alaska card within the last 90 days – which was the first time I’d heard that. But apparently it’s been enforced sporadically for a while.
So I figured how to play by the “new” rules and still get my doses of Alaska miles: rotate between the personal and business versions of the card every 90 days.