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Hi all,
I was wondering if anyone has this card or experience with this card? I was thinking about getting it for the $200 travel credit as I may want to go traveling durning the summer and it looks appealing as there is no annual fee, so I wouldn't have to worry about , fees, or anything like that. The next question I have is I do have a lot of inquiries these past two years around 11 or so. How likely am I going to be approved for this card? I have no baddies, and 3% utilization across the board, and 102k in credit. Score is 709 when I received my score from Cap1 when applying for their Premier Dining card.
Any insight is appreicated!!!!
Much thanks!!!!
Good luck!
Good card to have it, no annual fee, no foreign transaction fees. Even better if you are a Bank of America Premier customer, where you get up to 75% more bonus. With the 2% reward, you can get up to 3.5% the reward rate. Very good.
Hi all,
I am brand new to posting in this forum, but I have been reading the wealth of great information and advice for about 4 months( and following it). I wanted to share my latest experience in applying for this card, after reading the forums on this card I applied on Sunday 7/30 and received the message " your application is under review...and gave me a website link and ref # to check status". I called this Recon number (866-618-4585) this morning 7/31, it was answered by a nice Rep who identified herself as a credit analyst. I told her about the "pending message" I recieved and she kindly transferred me to right department that handles new applications. This rep was nice as well and pulled up my application she said " well it looks like its approved, I just have a few questions to get it finalized" She asked if I had recently applied for several credit cards in a short period of time, I said "yes I have" she then said "okay I am asking because we want to make sure there is no fraudulent activity, because you have 11 hard pulls on your report" She put me on a very brief hold and returned to tell me that my card was approved for 7K and should be receiving it in 7-10 days" I checked the online status after hanging up and it said "congratulations you have been approved" I received an email shortly after with the same information. So thanks for all the information.
It's worthy to note that they hard pulled Experian, my score is 734, with 11 inquiries- (10 new accounts within 4 months). This is my first card with Bank of America and my last credit application for at least a year. Now off to the garden to grow some credit line increases.