If even BOA turns you down when your account and CC is with them I would assume you may have too high of a current debt to offical income ratio. Lenders are finally paying attention to that kind of stuff again.
Do you have a lot of debt on your card?
__________________
2004 S60R - 350+ HP, AWD, Custom FMIC & Exhaust, Active Suspension & A Big Set Of Brembos
Crazy Camber, Stretch & Poke; its the new triple-stack-bleacher-wing ricer fad that's all the rage nowadays, lol