BOA Card Recommendations

[rtw]

Wondering if anyone has Bank Of America CC recs. I currently have a checking and savings account with them. My uti is 7%. I have 3 Inq on Ex, 4 Inq on Tu, and 1 on EQ. Was approved for Amex Zync and Gold, Barclays US Airways, PSECU Visa/PSL, and Lowes last month. Highest CL's are PSECU 15K, Citibank AAdvantage 8.5k, and Barclays US Airways 2.5k.

[jsickz32]

Bofa privileges cash back if you can qualify for it. you get 50% more when you transfer your rewards to a bofa checking acct.

[Open123]

If you travel abroad, I like their travel rewards card.

No annual fee, no forex, with an EMV chip, and 1.5 on all spending.  I think this is one of their better valued cards.  If you have other accounts with them, the 2% privileges card is excellent.

[Crashem]

$75 Af on that card that is waived for 1st year unless you got some money with BofA.  So do the math if that card makes sense over their regular 1-2-3 card.  Also, thanks to Trumpet pointing out this card, BankAmericard Privileges with Travel Benefits.  Basically a 2% card that you can deduct rewards against travel expenses.  Also with $75 AF.  Another unique card from BofA is the Alaska Airlines.  Okay card except they have the $99 companion ticket program that is useable on all fare classes and ticket types unlike most if not all other companion ticket programs.

[rtw]

Thanks folks! Also forgot to add that my oldest account ranges from 18 to 12 year depending on report and my AAOA is between 6 and 7 years. 

[Crashem]

RTW, just noticed your scores.  With your scores, you might have problems getting their card.

[rtw]

Thanks Crashem. I'm not looking to app for any new cards until January. Hoping to add an Amex revolver and a Chase card. Since I bank with BOA, thought I should considerthem as well. Hope to have scores over 700 by then and a couple of inquiries at over a year old.

[Crashem]

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@rtw wrote:

Thanks Crashem. I'm not looking to app for any new cards until January. Hoping to add an Amex revolver and a Chase card. Since I bank with BOA, thought I should considerthem as well. Hope to have scores over 700 by then and a couple of inquiries at over a year old.

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Sweet.  BofA has really stepped up its credit card game recently.  New cards are actually pretty competitive now rewards wise.  I might be going for one of the Privileges cards later as I have long standing relationship with them and enough money invested through them to get the AF waiver.  Problem is that I am pretty optimized on rewards at the moment.  Only thing is don't like is my HSBC card is unlikely to move up in CL (but who knows) and that is my 2% card.  Might want to replace it.  With the new CASH+ card, I can see around 1.75% cash back.  But what to replace HSBC card with.  Maybe the Fidelity Amex or the new Priceline Visa.  However the BankAmericard Privileges Travel card is a contender as well.

[rtw]

Full disclosure, BOA denied me back in January 2011. I've been gun shy ever since. I didn't know about these boards and my score was abysmal. Hopefully 2 years will be the charm!

[tinuviel]

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@rtw wrote:

Full disclosure, BOA denied me back in January 2011. I've been gun shy ever since. I didn't know about these boards and my score was abysmal. Hopefully 2 years will be the charm!

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What was the reason for the denial? I was denied by BoA last October, and they stated CO/CAs on my reports as the reason. Even two attempts at a recon were to no avail. The derogs were old, so I sat back and gardened for 10 months while waiting for them to age off. I became CO/CA free on all three reports last Friday and apped with BoA for the very same card again. The result? I was approved with a $5000 CL!

So, if you know the reason(s) for the denial, and you have been able to rectify the problem(s), then you may very well have a good shot at getting approved.