BOFA Application

[USC08]

Do you have to have a checking or savings to apply for their credit card?

Does it help the approval process if you do have a checking or savings?

What credit bureau do they pull in CA?

What is the easiest card to get?

[JMN]

1 - No.

2 - Usually, with most banking institutions, it helps, but I doubt it's fully required.

3 - Experian.

4 - Most likely the BankAmericard and BankAmericard Basic. It seems to be their most vanilla cards.

I speak from semi-experience - both of my credit cards with Bank of America come from pre-quals. I am an existing checking account customer (albeit, I don't really use said account), so that most likely generated the pre-quals/might have helped a bit with the approvals.

Hope this helps.

[smc733]

A banking relationship with them is required to apply for any of the BankAmericard products.  Any non-BankAmericard products, however, are open to anyone to apply for.

[Itsmeagain]

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@smc733 wrote:

A banking relationship with them is required to apply for any of the BankAmericard products.  Any non-BankAmericard products, however, are open to anyone to apply for.

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Hmmm . . . . I've had a BoA card since 2008.  It was recently "upgraded" to the BoA Signature Visa. 

My credit line is $12.500 and I've never had any other banking relationship with them.

YMMV

[smc733]

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@Itsmeagain wrote:

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@smc733 wrote:

A banking relationship with them is required to apply for any of the BankAmericard products.  Any non-BankAmericard products, however, are open to anyone to apply for.

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Hmmm . . . . I've had a BoA card since 2008.  It was recently "upgraded" to the BoA Signature Visa. 

My credit line is $12.500 and I've never had any other banking relationship with them.

YMMV

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Interestingly enough, it is required to apply, yet not to get, kind of wierd. 

[wollepopolle]

I don't know where you got that from . This is wrong information. I have absolutely no affiliation with Bank of America other than a BankAmericard that I applied for recently and was approved.

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@smc733 wrote:

A banking relationship with them is required to apply for any of the BankAmericard products.  Any non-BankAmericard products, however, are open to anyone to apply for.

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With regard to an earlier post, for me, they pulled Transunion only. It really depends on the case and the customer, it seems.