Credit Cards

[beamMEup]

App'd with BofA online (after being pre-approved on the online site), about July 8th.  Said "Congratulations, you have been approved for a $4,000 CL."

Haven't heard anything yet - and no inquiries are showing.

Is this normal?

[txjohn]

What did the approval message say about time till you receive card?

I'd probably call if you don't hear/see anything in the next couple days.  BoA told me once when I PC'd my Plat Plus Visa to Reward Visa that it could take up to 3 weeks to get new card....but I had it in a week or so.

[concorduser]

Typically BOA has been slow in sending the cards to me. My card took about 2 - 2 1/2 weeks by the time I got it after it is approved. I might take couple of days to kick into their support system. Give them a call and talk to them. They are pretty good about it.

[boamacy]

As far as I know boa is fast with new accounts you might get your card in 5 to 7 days ....PCs are completely the opposite they are very slow it takes weeks and weeks in my case 4 weeks and till now no card yet I called'em yesterday was told it was mailed Friday ...i did a PC to their AMEX acc cash rewards..

BOA bites ! pay attention to how you treat their cards !

[beamMEup]

sorry dudes - what's a pc?  don't see it in the abbreviations.  guess I'm not cool .  I know I'll be embarrassed when you tell me - like I should have figured it out.......but the brain cell is not clickin'

[boamacy]

PC = Product Change

sorry I just noticed that you applied on the 8th !!!! I would call them to make sure usually when u apply with boa you get a hard inq instantly on experian,That's strange !

[pattycake]

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utah2009 wrote:

sorry dudes - what's a pc?  don't see it in the abbreviations.  guess I'm not cool .  I know I'll be embarrassed when you tell me - like I should have figured it out.......but the brain cell is not clickin'

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PC is product change, such as going from a Chase Disney to a Chase Freedom card.  

[beamMEup]

oh, now I'm enlightened!!!  This is one of the side effects of not using cc's much in my earlier life.  Not savvy to many cc issues.  like pc'ing.  Ah, well, it's a new life--So many things to learn.  We'll give them a call and see what's up.  The screen died shortly after the "You have been approved -- $4,000 CL" message.  Hope it still stands.  Thanks!!!

[creditwherecreditisdue]

You could always call and ask. No harm can come from that.

[beamMEup]

Update:  It's all good - just darn s-l-o-w.

App'd on 7/8.  Called in today and found it was approved on 7/9, but the card may take up to 30 days to arrive.  I'd love that guy to arrive sometime this week - so fingers are crossed. I had assumed there was no inquiry because DH had not received a ScoreWatch Alert.  When I pulled myFico EQ report, the inquiry does show up as FIA CSNA on 7/9/09.  That's the first time I have not received a ScoreWatch Alert when I was expecting one - guess nothing's 100%.  Thanks concorduser, txjohn & boamacy (name!!!) for keeping me patient.

That's the last of the new cards - now we can sit back, drink lemonade, let them age, and in a few cases check in for CLI's as the months roll along.  DH has gone from $500 to $38,400 and I have gone from $500 to $4,100 CL's in the last month or so.  (DH has a very nice 776 EQ score).  Very nice for newbie rebuilders - we're less than six months after Ch13 discharge - thanks you guys rock!

Message Edited by beamMEup on 07-28-2009 12:07 AM