Last year, Greg went all-in on Hawaiian Airlines Hawaiian Miles. At the time, I hesitated. I really can’t explain why it took me so long, but I’ve finally hopped on board the Hawaiian Airlines Hawaiian Miles train. Unfortunately, waiting to do so means that my bet on Hawaiian isn’t as good as Greg’s was. Is it time to go all-in for real, or is it too little too late?
Why the big interest in Hawaiian Miles?
In short, Hawaiian Miles became interesting when Alaska Airlines bought Hawaiian Airlines last year and made known their intentions to merge the two airline programs. Whereas Hawaiian Miles have historically been of limited use, Alaska Mileage Plan miles are highly valuable. As things stand, it is possible to move Hawaiian Miles to Alaska miles on a 1:1 basis. The programs are expected to combine into a single loyalty program in the coming months (Alaska has long pointed to “Summer 2025” for the final program merger).
It is widely expected that when the merging of programs is complete, opportunities to earn “Hawaiian Miles” will likely disappear. The Hawaiian Airlines credit cards and transfers from American Express Membership Rewards to Hawaiian will most likely end this summer. It is important to note that it hasn’t been confirmed when those things will cease to exist, but Alaska has been clear that they are not interested in maintaining transfers from Amex and they they are happy with Bank of America as their credit card partner (Barclays issues the Hawaiian cards). We are very likely in the final months of those opportunities to earn Hawaiian miles.
While Alaska miles are highly valuable, they are much more difficult to earn through credit cards. Bank of America has long issued just two Alaska Airlines credit cards, a consumer card and a business card. Both cards offer just 1 mile per dollar on most purchases and intro bonuses on those cards have never been huge. A premium card is expected this summer, but we don’t yet know what to expect. Alaska partners with Bilt Rewards, so those collecting many points via Bilt do have that avenue by which to collect miles through rent, Bilt Dining, Lyft, Walgreens, and the Bilt Rewards credit card. However, with only one Bilt credit card currently on the market and no welcome bonus offered on that card, collecting a meaningful number of Bilt points is an exercise in patience.
By contrast, Hawaiian has 3 credit cards on the market (two consumer and one business) and is transfer partners with American Express Membership Rewards. That means there is significant opportunity to collect Hawaiian miles in ways that will likely end within the next few months, thus the interest in picking up miles where possible.
In my household, we’ve both been collecting Hawaiian miles and Membership Rewards points lately with an eye toward building up a balance on the Hawaiian side, combining our miles, and having a nice stash built up with Alaska before it once again becomes difficult to collect many Alaska miles.
Applying for two Hawaiian Airlines consumer credit cards in one day
I recently realized and highlighted the fact that there are two Hawaiian Airlines consumer credit cards and that it is possible to be approved for both of them on the same day. I had previously thought that one had to be a Hawaii resident to apply for one of them, but I learned that wasn’t true and I put the process to the test myself.
The two consumer cards are the Barclays Hawaiian Airlines World Elite Mastercard and the Bank of Hawaii Hawaiian Airlines World Elite Mastercard. While the second card in that sentence is marketed as a “Bank of Hawaii” card, both credit cards are actually issued by Barclays. The good news is that these cards are treated as separate products, but you’ll need the help of a human to get past a computer system that isn’t built to recognize that.
In my case, I filled out the applications for both the Barclays and Bank of Hawaii cards simultaneously, advancing page by page through the applications in two browser tabs at the same time. I had the opportunity to select card art during the process and so I chose different card art for each application in order to be able to identify the cards later at quick glance (or to identify which card I was calling about if I needed to explain things to a representative, but that wasn’t necessary).
I submitted my application for the Barclays version first. It was instantly approved.
I then immediately clicked “submit” on the Bank of Hawaii-branded application.
As expected, that second application was not instantly approved but rather said that the application was being reviewed. Existing cardholders of one of the cards who apply for the other version often report receiving a screen indicating that they already have a Hawaiian Airlines credit card rather than the above “under review” screen.
In either case, the next step is to call Barclays reconsideration at (866) 408-4064 (note that the phone number for reconsideration is listed on all of our card pages). I believe the reconsideration department is open until midnight Eastern time on weekdays. When a representative answered my call, I explained that I had submitted a credit card application that wasn’t instantly approved and was wondering whether there was anything I could do to help.
The rep verified my personal information and could see the applications. She started to say that she could see that my application wasn’t processed because I “already have…” before stopping herself mid-sentence to say that she sees the second application was for the Bank of Hawaii version of the card. From what she said, it sounded like the computer system isn’t set up to consider the cards separate products, but representatives are aware that they are. She asked if I’d like to have her process that second application. When I confirmed, she read some disclosures and then asked me some questions about my expenses. She asked if I would be willing to move credit line from the new Barclays-version Hawaiian card or another of my Barclays cards to the Bank of Hawaii card. I was totally willing to do that. Since the spending requirement on the Bank of Hawaii version is only $2,000 in 90 days and since I didn’t need a high limit on it, I asked to move just $2,000 from my new Barclays Hawaiian card to the Bank of Hawaii version.
She told me that the application was approved, but upon further review she said I would need to verify some identity information with a team that was only available between 8am and 8pm (I was calling after 8pm). She gave me the number and I intended to call the next day. However, I soon saw both Hawaiian Airlines credit cards in my Barclays login. Interestingly, I initially saw the $2,000 shift in credit limit, which is to say that my Barclays version showed a credit limit that was $2K less than the initial instant approval since I had moved the $2K to the Bank of Hawaii card. However, a day later, the credit line on the Barclays version of the card had increased back to the initial approval amount and my Bank of Hawaii card maintained the $2K limit, so it seems that they determined that I didn’t need to move credit for a small line like that.
I’ve since received and activated both cards. I never called the department that she said would verify my information since everything just showed up automatically.
Many blog readers, Facebook group members, and podcast commenters have succeeded in getting both versions of the card. A couple of days ago, one reader reported being told by a representative that it was no longer possible to apply for both cards, but she later called again and was approved. In her case, she had previously held the Bank of Hawaii version of the card for 6+ months. When she applied for the Barclays version, she received the messaging saying that she already has a Hawaiian Airlines card. When she called, the first representative she reached indicated that while some customers had been approved for both, the two credit cards are really the same product and as such they wouldn’t continue to approve applicants for both (and they didn’t run her application on that first call). I advised her to call again and see whether she got the same answer or had just gotten a misinformed representative (which happens in many cases in the miles and points world). Sure enough, the second time she called, her application was processed and she got the card.
In the collective reports I’ve seen, the vast majority of reconsideration reps seem to proactively recognize that these are separate products, so if you get one that says otherwise, it is probably worth a follow-up phone call.
Unfortunately, I dragged my feet on these offers long enough to have only gotten in for a welcome bonus of 60,000 miles on each card. Both cards previously offered 70,000 miles (and the Barclays version is back out with a 70K offer now!).
My wife recently got the Barclays Hawaiian Airlines Business Mastercard and completed the spending requirement and earned the welcome bonus. Her bonus was only 50,000 miles.
All three were low offers. I regret not applying for these cards while they all featured increased offers! That said, I am glad to have gotten these cards while they are still available. While not as good as it could have been, we’ll earn 170,000 valuable miles on the three cards we’ve opened. We expect that these cards will likely no longer be available in the not-very-distant future, so we were glad to get in while we could.
I’ll add that we don’t know what will happen with Hawaiian Airlines cards once the merger is complete. I don’t know whether they will become Alaska cards or end up product changed into something else or what, but I was happy to get my collectibles while I could.
Upping the ante with Amex Membership Rewards
Thanks to a pretty robust set of family trips this year and early next year, I’d heavily depleted my American Express Membership Rewards stash by the beginning of 2025. I’ve been working at replenishing those points over the past few months through a new card bonus, targeted employee card bonuses, Rakuten, a few referrals, and ordinary expenses. Within the next month, I expect that my wife and I will be back up to around 700,000 Membership Rewards points.
Ordinarily, that’s about the minimum number that I’d like to have on hand. People often ask about how many points are “enough” or how many are “too many”, which are questions that vary by situation. Personally, I like to have a healthy enough buffer so as to be able to find a backup plan if we get stuck needing a last-minute flight booking thanks to a cancelled flight or emergency change to a trip. Since we travel as a family of four and Amex points transfer to all of my favorite airline programs, I like having at least 700-800K points on hand for a “rainy day”.
However, it is widely expected that transfers from American Express Membership Rewards to Hawaiian Airlines Hawaiian Miles will end sooner rather than later. Tim recently reported on speculation that on June 30th may be a likely end date for that partnership, but Tim was also careful to caution that transfers could end at any time. Once that window closes, Alaska miles will once again be quite difficult to amass in a meaningful quantity.
We’ve currently got about 90,000 miles between Hawaiian and Alaska and I’ve got 120,000 coming soon enough from welcome bonuses for a total of 210,000. I feel like I should make another transfer from Amex to Hawaiian and on to Alaska, but the question is how much should I transfer? I’m nervous to transfer too many and risk being in a jam without enough transferable points, but I’m equally nervous about missing out on the chance to build up a meaningful balance of Alaska Mileage Plan miles!
The good news is that most of my favorite Amex transfer partners (in terms of airlines) are also Capital One transfer partners. I’ve built up a few hundred thousand Capital One miles, which eases the burden on my need to hold Amex points.
I’m leaning toward transferring 400,000 Membership Rewards points to Hawaiian and on to Alaska. That will give me just over 600,000 Alaska miles. While that’s a far cry from Greg’s big bet, it feels like a big gamble on my end since I’ll temporarily be running closer to empty than I’d like. Still, given that I’ll likely continue to have many ways to build up Membership Rewards points relatively quickly but relatively few ways to build up Alaska miles with any speed, I would be tempted to bump that up to 500K miles if I knew I could wait until late June to transfer (I’d prefer to wait until after a big trip ends in June before parting with more than 400K Membership Rewards points).
I do wish that we knew a certain end date for the Amex partnership. American Express charges an excise tax for transfers to US-based airline programs (there is no such fee for transfers to foreign airlines, nor does any other reward currency charge a fee for transfers to US-based airlines like Amex does). The fee maxes out at $99 per transfer. I’ve already made a couple of transfers to Hawaiian and paid the fee a few times in recent months, so I’d like to make one final transfer rather than transferring some now and some in June. However, to Tim’s point, transfers could end any day, so I likely won’t wait counting on a June end date. That means I’ll probably settle for a speculative transfer of 400K rather than paying to move miles twice.
Bottom line
It took me longer than it should have to dive all-in with Hawaiian Airlines miles. In recent months, I’ve booked flights between Europe and the US on Condor and between North and South American on LATAM for excellent value with Alaska Mileage Plan. The window of opportunity to quickly juice up one’s Alaska miles balance by collecting a large sum of Hawaiian miles is likely to be closing very soon and I’ve finally awoken to the opportunities that are living on borrowed time. While I certainly regret not getting in on the transfer bonus that Greg did last year and not getting the Hawaiian cards at better offers, I’m glad to get in before Hawaiian Miles are gone. Given my growing love of Alaska Mileage Plan miles, I think I am far more likely to regret not amassing even more Hawaiian Miles while I still could.
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I’m in a similar situation. P2 and I have 400K Amex MR, which is my minimum comfortable stash, but I’d really like to up my current 150K AS balance. I’m leaning towards transferring 250K to Hawaiian (cleaning out P2’s account, consolidating everything in one Alaska account). We’ll temporarily be in bad shape with MR, but the next big trip we need to book is summer 2026 and I’m relatively confident with business card SUBs we can add ~400K MR by the end of the year. So I think it’s worth doing. In terms of use, I’m Hawaii based so HA/AS points have somewhat unique value to me. I’ve got multiple domestic economy flights booked for the coming year all in the 2-3 cent/point range, so I’d consider that great value for money I would have otherwise had to spend.
Got the Barclays version approved. Called recon for the BOH version but was denied with them citing they wanted to see usage on the Barclays version. Bummer.
Long story short, I messed up on the Hawaiian airlines card application and was denied. Was told to reapply after I think 90 days. Is that true that I need to wait that long before reapplying or are there data points that suggest otherwise?
Any advice would be greatly appreciated! Thanks in advance
Speculate Nick: do you believe the Hawaiian cards will be converted to Alaska cards by the end of 2025? That means I’ll have 3 personal Alaska cards…. my greedy self wants that second personal Alaska card before this occurs. Thoughts on this?
Some successful uses with Alaska miles for my family of 4 this summer have inspired me to sign up for 6 HA Barclays/BOH cards (two each for P1, P2, P3), plus transferring ~1mm of my ~5mm Amex MRs. Including 3 Alaska cards from last year, I should have about 1.4mm Alaska miles by the time things get locked down. Hopefully the program remains largely unchanged for the next couple of years so I have the chance to spend them. Given the increased scrutiny for recently-merged companies from anti-trust regulators (assuming they maintain their clout in the US), I’m optimistic that will be the case.
Of course, maintaining some 5/24 flexibility means 3 months of back and forth with the Barclays security department to get business cards approved (mailing and faxing the same docs in over and over), but having experienced this for the Wyndham Earner Business, I realize such is the cost of doing business.
Great read, thank you. Imagine how happy I was to see it after applying for the card last night! They called me this morning to verify my identity but approved me for 6k line. Got the 70k offer too…
For those in a tight position, reluctant to transfer existing Amex points, would it be worthwhile to consider spending on a Hawaiian Airlines card, or alternatively, spend on an Amex card and then transfer?
I’ve certainly been working on employee card bonuses (15K points for $4K spend) on Blue Business Plus cards to build up some extra Amex points. I also has a “Spend $23K, get 6,000 bonus points” on our Blue Business Plus cards, so I activated that along with the 5 employee cards for the employee card bonuses figuring that if I spend $4,000 on each of the 5 employee cards and another $3,000 on one of them, that’ll end up being a total of The breakdown:
So yes, I’m doing that spend in order to replenish some of the points I’ll use. I overpaid taxes to earn a few of the employee card bonuses, but I’ve got a couple more to go.
Sharing a thought on earning HA SUB. Purchasing HA miles earns 3X miles plus there is a 50% bonus through 5/21/25.
With this method, you can buy HA points at 1.738 cpp
Do you really get 3x on Hawaiian point purchases? Can someone confirm that. This would be a great time to buy Hawaiian miles if that’s the case and you have the card.
Buy Miles
You can now purchase the miles you need at any time. Buy miles for yourself or as a gift for another Hawaiian Miles member.
Don’t forget, earn 3x miles per $1 spent when you use your Hawaiian Airlines® World Elite
Mastercard® *
We purchased some miles in September and did receive 3x
[whisper] EQM for Alaska status on the Barclay Hawaiian cards is a separate bucket from EQM spend on the BOA Alaska cards.
I was just denied the bank of HI card for already having it… I don’t though. I got the barclays card back in the fall but that’s it.
As the post says, you’ll get that message because the computer system considers them the same product, but phone reps know they are separate products. You just need to call recon.
I called inand agent said I was approved. Today, next day,received a letter that the application was denied due to already having a hawaiian airlines product. On hold with recon now.
Just got the Barclays Aviator Red last week.Tempted to apply for both Hawaiin ones as Nick did. I have a strong +825 credit score.
Worried of getting denied for either or both Hawaiin applications based Barclays 6 month gap between cards.
Any data points from someone who recently got a Barclays card and also being approved for these Hawaiin cards would be appreciated.
2/25 approved for Hawaiian.
3/25 approved for Aviator.
~775 credit score. 4/24 at the time of first approval. Approx 8 inquiries for credit cards and 6 inquiries for rate shopping auto loan refis.
Do we know if the Barclays 6 month gap between applications is a hard rule? And does that rule apply to only Barclay issued cards or any card (like Chase)
The comment you replied to was from someone who got new Barclays cards in 2/25 and 3/25. Sounds like it’s not a hard rule :-D.
I got the Hawaiian in December and the Aviator Red in March (while being over 5/24 by March); but those 2 are my only Barclay’s cards.
I agree with others as my concern being the 2 hard pulls. Can you confirm if they were combined into one or if they were indeed two different hard pulls?
I don’t think others below were concerned about pulls but rather about the 2 accounts.
A lot of people get confused about this: “Pulls” / inquiries aren’t particularly meaningful. Yes, a pull results in a temporary minor drop in your credit score. And sometimes a denial letter will say “too many inquiries”, but denial letters are often nonsensical and if you can find someone with more inquiries who got approved (you almost always can!), then you know that it wasn’t the inquiries that prevented approval but rather a mysterious combination of algorithmic factors that we’ll never know.
What you do see mention of in comments below is that opening 2 accounts gets you 2 accounts further from being under 5/24. To be clear, 5/24 has nothing to do with “pulls”, it is about new accounts. If there are 5 or more accounts on your credit report that were opened in the last 24 months, Chase generally won’t approve you for a new card. If you open two new credit card accounts, it doesn’t matter whether you do it on the same day or separate days or with one issuer or multiple — each new consumer credit card account adds to your count.
To your original question, by applying for both on the same day, I did indeed end up with just one pull from Barclays, but I wouldn’t have cared if it had been two pulls. I don’t really pay any attention to the number of pulls.
I had been trying to get under 5/24 for quite a while, but those other cards I’d like to have will be there in the future. The opportunity to pick up extra Hawaiian miles (that will become Alaska miles) likely won’t be here that much longer. In the end, I decided that I valued the chance to pick up 120,000 Alaska miles more than the chance to save space for card X or Y that I won’t get as soon as I might have hoped.
Awesome explanation! I appreciate it. I’m going to be eligible for 2 new ink card SUBs later this year. I have been very tempted to get both of these cards but don’t want to make myself wait longer for the chase points.
“if you can find someone with more inquiries who got approved (you almost always can!), then you know that it wasn’t the inquiries that prevented approval but rather a mysterious combination of algorithmic factors that we’ll never know”
I want to push back on this comment a bit. You are correct, it is a mysterious combination of factors that go into the algorithm, and by crowd sourcing data points it seems like hard pulls are rarely the only reason for a denial (i.e. they are not like Chase’s 5/24 rule). But that does not mean they do not contribute to the algorithm!! And if they contribute to the algorithm, an increase in hard pulls can potentially result in denials.
And while the reasons on a denial letter can be nonsensical, that does not mean they are definitely nonsense. If you are above 5/24, and apply for a Chase card, the denial letter will mention too many new accounts. Therefore I would not totally disregard the reasons on a denial letter.
For example, since around 2020-2021, it has become a lot more difficult to get approvals from Citi, particularly for the cards you actually want for a SUB (e.g. Strata Premier and AA Platinum). Around that time, their denial letters starting mentioning “too much unused credit.” Basically if you have $300k in combined credit limits and 0% utilization, they know you are probably maximizing your cards and not going to be profitable. I firmly believe this is now a key component of the Citi algorithm (even if it is not the sole criteria). And if you follow related Reddit forums (like the Churning and Credit Card ones), based on many people’s experiences, it does seem like Citi pays a lot more attention to hard pulls now (with the general consensus being you should have 0 to 1 pulls in the last 6 months, at least for the better cards).
You’re right that everything can contribute some amount. In the overall scheme of things, I think that inquiries are, by far, a minor factor in approvals that are not likely to trip up an application absent other factors (and so if there are other factors that don’t match the profile they are looking for and you have a ton of inquiries, maybe you’re right that there may be a point at which the inquiries could have made the difference). And although I’ll push right back at ya here, at the end of the day neither of us know the intricacies of the algorithm, so by all means manage your situation the way you see fit.
For me, the thing is that when I got into this game 10+ years ago, people talked a lot about Citi being “inquiry-sensitive” (this was before the heyday of AA mailers obv). I remember getting approved for a new Citi card with 12 inquiries that year on the report they pulled (I think I opened a total of 23 cards in my name that year) despite hubbub on the forums of the day indicating that they were “inquiry-sensitive”. I often highlight the comical experience of a reader whose denial letter said “too many new accounts” when she had opened 0 accounts in the previous 24 months. You’re right that the reasons given might be accurate, but because they have proved to be pretty irrelevant many times, I don’t change my behavior based on a reason that isn’t universal. In other words, I know I can’t be approved over 5/24 because nobody is approved over 5/24 (for the most part). But if Bob gets denied for “too many inquiries” with 6 and Joe gets approved despite 10 inquiries, I’m not going to waste much time worrying about inquiries since I know it isn’t a hard rule and that it must not be a primary factor.
All that is to say that I take explanations like “too much unused credit” with a grain of salt. My wife has around that much in combined credit limits and around that much utilization and certainly more than 0 to 1 pulls in the last 6 months and was instantly approved for a Citi card just a few weeks ago. Does that mean that you will also? Of course not. But it means that I know it is possible to be approved with those parameters, so I’m not going to go out of my way to manage any of those more tightly (i.e. I’m not going to increase my utilization for fear of getting “too much unused credit” since I know that unused credit isn’t a factor that disqualifies an application outright in the same way that 5/24 does). Obviously you’re free to disagree and experiment with different utilization percentages, but even if you later get approved with 20% utilization, it would be hard for me to make a definitive conclusion that increasing your utilization is what made the difference since utilization itself didn’t seem to be a hard line. That said, I wouldn’t expect to be approved with very high utilization, but that would be because high utilization is a risk factor. Low utilization isn’t.
Again, I’m not arguing with your decision to consider the factors that you think are important. Feel free to manage your inquiries as you see fit and hopefully you find success with your applications. But personally, I don’t track inquiries at all. I checked on this one because I knew people would ask whether it was one or two, but otherwise I don’t pay any attention to them at all anymore and haven’t for years.
I am not a huge lover of Alaska Mileage Plan. They have done unannounced changes that really affected our travel plans. Emirates and Japan Airlines, specifically. The JAL devaluation really screwed our plans up. I don’t trust them, anymore. That said, I have over 400k of Alaska miles and that’s enough exposure for me. When Alaska acquired Virgin America they lost some really valuable partners. Lately, I just don’t find Alaska’s redemptions that earth shattering.
It obviously depends on where you are and where you’re going. Being East Coast-based, I’ve been excited to see Condor space between JFK-FRA for 55K in business (booked 5 seats for a trip near the holidays). Got some solid Finnair redemptions for 7.5K miles each way between Germany and northern Finland (if we had time for a stopover in Helsinki it would have been an even better deal). Also grabbed Air Tahiti between PPT and the west coast for 60K per passenger. And LATAM between Cancun and Santiago, Chile for 35K each in business class. Looking to work in a stopover on the return on that trip. And while I haven’t yet been able to make use of it, I’m sure I’ll eventually end up booking one of those short-haul AA flights for good value with Alaska.
It’s certainly not a home run for everyone, but I’ve used more than half a million Alaska miles so far this year! The Emirates devaluation is one that really left a sour taste for a long time for me, but the last couple of changes they’ve made were communicated months in advance and I don’t see other major changes coming in the near-term given that their award chart is relatively fresh and they have enough other moving parts with the work to make multi-carrier oneworld awards fully integrated and the merger with Hawaiian. I would imagine that an award chart overhaul would be too many moving pieces at once.
MEX-IPC 60K in J for 60K with a stopover allowed.
My airport is an AA hub (PHX) and I have gotten some insane value through Alaska. The 4.5k points one way on the shortest distance flights (LAX, SFO, SAN, SLC, etc) is so good. Also just booked 2 J class tickets to LHR for 110k points and ~$36 TOTAL
I moved a large amount or MR already and was going to apply for the 2 HI personal cards – BUT:
– reluctant to burn 2 5/24 slots in front of SWA companion pass in the fall
– Barclays biz card I got was a worse approval process than a trip to the dentist- and I applied for another one 2 weeks ago and got a letter to call recon. They wanted snail mail or fax (really?) of business bank statements AND utility bills.
More trouble than its worth- NEVER dealing with Barclay’s again.
Yeah, Barclays can be an odd beast. I had one family member who had a lot of trouble getting approved for a business card with Barclays and my wife also had to supply documents via snail mail (meanwhile another family member was instantly approved). For what it’s worth, although they required that whole process for my wife’s business card, she was later instantly approved for an Aviator Red (consumer) card and then later a Hawaiian Business card without the need to go through those steps again.
The Companion Pass has also been on my mind and in my plans for a long time. That said, I don’t think that opportunity is going away (and worse yet if it did go away after I passed on these cards and before I was eligible to pick up the pass!) and with the value of Southwest points becoming less predictable, I ultimately decided that 120K Alaska (Hawaiian) miles that I won’t be able to get later was worth more than my need to wait around for ~120K Southwest points and a Companion Pass. That said, if I anticipated a lot more domestic travel than international, I could see passing on this in favor of those Southwest cards late in the year.
I applied for the 2 Hawaiian cards 10 days ago. I was approved instantly for the Barclays card (already have a Barclays account with JetBlue) and subsequently received the card in the mail. I thought (incorrectly) that the Bank of Hawaii card would also be coming, but after 10 days recognized that it wasn’t. After listening to the most recent podcast where Nick called for reconsideration, I did just that for Hawaii. After not calling the correct phone numbers to find an agent who could help I then saw this article with the reconsideration phone number, called, and now was approved for the Bank of Hawaii card after shifting part of my Barclays credit line (thought that was interesting) to this new Bank of Hawaii card. Anyway, now I need to take care of this for Player 2. Thanks.