Applied with 2bm, when speaking with recon csr, she told me the minimum for the Visa Signature is 5k, and she couldn't approve me for 10k as this was my first BofA cc app. I declined her offer of 2.5k on both (neither would be the VS), and her offer of 5k (VS) on one and 1k (lower version) on the other. So she approved me for one for 5k and "canceled" the other application. Does "cancel" mean denial, or that she threw it out and it doesn't exist? And either way, is this HUCAable?
Thanks!
Update: This app was on 12/12. I called again the next day, and the CSR simply parroted to me the previous conversation. Today I called, chatted up the rep and then asked about my application. She didn't quote either previous conversation, and approved me for a CL of 2500. I asked, "Is this the Visa Signature or the Visa Platinum?" She confirmed that it was just the Visa Platinum, as they'd already approved me for one Signature, they "couldn't" do another. I explained to her how the Signature has benefits I was really interested in, such as their concierge services. (See this chart:
http://usa.visa.com/personal/cards/benefits/index.html) After a brief pause, she approved me for the second one at 5k CL!
One lesson I learned: HUCAing can be greatly enhanced with a little Dale Carnegie.