Reply
Moderator
Revelate
Posts: 8,949
Registered: ‎12-30-2011
0

Re: BOA Is really nice!

[ Edited ]

linux007969 wrote:

jsucool76 wrote:

From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha. 


That's why i got the BOA Secured Visa, cuz from what i read they will graduate & grow with me and are always willing to help!


Hah, well you'll find all sorts of opinions regarding BOA/BOFA here on these forums, but I happen to agree with you.  It's the best secured product that anyone without a qualified military affilation can get, and it's far and away the best rewards package of anything in the subprime strata.

 

I'm certain other lenders will move to match this part, and FWIW I've never had an issue with BOFA's credit cards that wasn't my own fault.  BOFA does seem to be trying to engender more customer loyalty, similar with Chase these days too.  Gone are the days where consumers simply stuck with one bank for life for their needs, online access has made that a complete thing of the past with my being able to do in 5-10 minutes what would've taken me hours to accomplish in person even 20 years ago.

 

Anyway congrats on the card, and my own secured transition to the 1-2-3 rewards package was flawlessly executed by BOFA.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 673, EQ 8 707, TU 720, EX 702* (09/02/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)


Take the myFICO Fitness Challenge
Established Contributor
linux007969
Posts: 594
Registered: ‎04-20-2012
0

Re: BOA Is really nice!


Revelate wrote:

linux007969 wrote:

jsucool76 wrote:

From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha. 


That's why i got the BOA Secured Visa, cuz from what i read they will graduate & grow with me and are always willing to help!


Hah, well you'll find all sorts of opinions regarding BOA/BOFA here on these forums, but I happen to agree with you.  It's the best secured product that anyone without a qualified military affilation can get, and it's far and away the best rewards package of anything in the subprime strata.

 

I'm certain other lenders will move to match this part, and FWIW I've never had an issue with BOFA's credit cards that wasn't my own fault.  BOFA does seem to be trying to engender more customer loyalty, similar with Chase these days too.  Gone are the days where consumers simply stuck with one bank for life for their needs, online access has made that a complete thing of the past with my being able to do in 5-10 minutes what would've taken me hours to accomplish in person even 20 years ago.

 

Anyway congrats on the card, and my own secured transition to the 1-2-3 rewards package was flawlessly executed by BOFA.

 


Thanks so much for feedback. I hope I can have a very nice relationship with BOA for years to come as long as we treat each other with respect and kindness.... LOL! Eventually I am going to close my Amazon Card with GE but for right now i'm just going to pay it to a zero balance and let it go for a while & keep it open so it will help with my utilization, cuz having an extra $300 to use for ultlization manipulation will come in handy! LOL :smileyvery-happy:

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K |
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BOA Is really nice!

im another bofa happy costumer here. they gave me my first credit card same day i turned 18!

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
linux007969
Posts: 594
Registered: ‎04-20-2012
0

Re: BOA Is really nice!


jsickz32 wrote:

im another bofa happy costumer here. they gave me my first credit card same day i turned 18!


That's awesome! I'm 22 years old! :smileyvery-happy:

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K |
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BOA Is really nice!


linux007969 wrote:

jsickz32 wrote:

im another bofa happy costumer here. they gave me my first credit card same day i turned 18!


That's awesome! I'm 22 years old! :smileyvery-happy:


im 21. i still have my student plat plus(since 18) and the cash rewards and bofa amex accelerated rewards.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
linux007969
Posts: 594
Registered: ‎04-20-2012
0

Re: BOA Is really nice!


jsickz32 wrote:

linux007969 wrote:

jsickz32 wrote:

im another bofa happy costumer here. they gave me my first credit card same day i turned 18!


That's awesome! I'm 22 years old! :smileyvery-happy:


im 21. i still have my student plat plus(since 18) and the cash rewards and bofa amex accelerated rewards.


Wow, you really are a happy customer to have 3 cards with them.

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K |
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BOA Is really nice!

yup theyve always been awesome to me.ive had checking account with them since i was 16 so i guess thats why

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor
linux007969
Posts: 594
Registered: ‎04-20-2012
0

Re: BOA Is really nice!


jsickz32 wrote:

yup theyve always been awesome to me.ive had checking account with them since i was 16 so i guess thats why


I bank with PNC, I will apply with them in like 3 years from now cuz i saw they have a box to check off on their app that says about having a limited history, so i'm not going to even think about applying for them right now cuz of only having 6 months of history. I think I am doing good, having 5 cards, especially that BOA is a prime bank in only 6 months of credit history!! I can't belive it i am going so well! :smileyvery-happy:

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728
TU Score as of 1/5/14 - 705 | EQ Score as of 1/5/14 - 721 | Ex Score as of 1/5/14 -753 |

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $8K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $5k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K |
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: BOA Is really nice!

[ Edited ]

i know what you mean. i think having that card helped me with my credit scores and stuff.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+