No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
How reliable is is Bank of Americas pre qual? I'm in the garden, suffering here, lol! Just completed the pre qual screen and it came back with a recommendation for their Cash Back card. While I know it isn't a guarantee, but what has been your experience with their pre qual site? Thanks!
Unless it has a specific APR, it's worthless and merely a "recommendation" based on the info you put in.
There are many reports of dogs and cats being prequalified Enter random info and see what happens. If you get the same result as "your prequal", consider it worthless.
@Anonymous wrote:How reliable is is Bank of Americas pre qual? I'm in the garden, suffering here, lol! Just completed the pre qual screen and it came back with a recommendation for their Cash Back card. While I know it isn't a guarantee, but what has been your experience with their pre qual site? Thanks!
Which cards do you already have? Gardening means that you look closely at the cards you already have, not shop for new cards
How long have you been in the garden?
What does this Cash Back card provide that your existing cards do not provide? How are the rewards earned compared to the cards you already have? If there are different rewards on this Cash Back card, what is the marginal difference in the rewards earning, applied to your $ spend volume in the categories? Does that marginal difference make any difference in your budget?
The Pre Qual for me was spot on.
@Anonymous wrote:The Pre Qual for me was spot on.
Musiclover...you are the reason I went into the site in the first place, lol! Your scores are higher than mine and I would probably would not get anywhere near your CL. I went on a spree in July and I'm recovering now. In the next couple of months my utilization will be single digits and my scores should be in the low 700's. I will definitely apply then. Very nice to know that the pre qual worked for you! Again Congrats to you, and I will definitely let you know once I apply.
@NRB525 wrote:
@Anonymous wrote:How reliable is is Bank of Americas pre qual? I'm in the garden, suffering here, lol! Just completed the pre qual screen and it came back with a recommendation for their Cash Back card. While I know it isn't a guarantee, but what has been your experience with their pre qual site? Thanks!
Which cards do you already have? Gardening means that you look closely at the cards you already have, not shop for new cards
How long have you been in the garden?
What does this Cash Back card provide that your existing cards do not provide? How are the rewards earned compared to the cards you already have? If there are different rewards on this Cash Back card, what is the marginal difference in the rewards earning, applied to your $ spend volume in the categories? Does that marginal difference make any difference in your budget?
My personal goal is to diversify my cc portfolio to include BOA, Pen Fed and a few others. Gardening is to develop and nuture the accounts that I currently have and I am. Thanks!
@Anonymous wrote:
@Anonymous wrote:The Pre Qual for me was spot on.
Musiclover...you are the reason I went into the site in the first place, lol! Your scores are higher than mine and I would probably would not get anywhere near your CL. I went on a spree in July and I'm recovering now. In the next couple of months my utilization will be single digits and my scores should be in the low 700's. I will definitely apply then. Very nice to know that the pre qual worked for you! Again Congrats to you, and I will definitely let you know once I apply.
Roseyk, I have several other cards with BofA as well as my new car loan. I also have savings and checking. Perhaps this skewed my chances for a positive outcome.
You do have a strong established relationship with BOA, but you have a excellent scores as well, either way your golden!👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼.
@Anonymous wrote:You do have a strong established relationship with BOA, but you have a excellent scores as well, either way your golden!👏🏼👏🏼👏🏼👏🏼👏🏼👏🏼.
I never thought about it like that. Thanks.