10-16-2012 10:23 PM
10-16-2012 10:25 PM
Thanks for the encourougment! Discover is a lovely card and now Amex is next!
10-17-2012 06:30 AM
10-17-2012 07:04 AM
i agree. thanks dude!
10-17-2012 09:33 AM
Since I haven't had my forum smack down for the week, I'll give my opinion and observation.
The BOA Constrictor (I've been calling them that for some time now, hoping to get it to stick LOL) did you a favor. They're about the last large lender or bank you ever want to do business with. As stated above, Discover and AMEX are much better (even though at times AMEX can be quirky, it's still much better). Chase is usually better too, so are many CU's.
There is a reason there are a lot of people on these boards that aren't fond of the BOA Constrictor (though some are more than happy with them). I wouldn't want any product, checking, savings, CC, car loan or mortgage handled by them if my oldest VISA CC wasn't a BOA I wouldn't add one (I may still cancel it eventually). A friend has a mortgage handled by them and he's looking to refinance not only to get a slightly better rate, but to escape any business relationship with BOA.
And Citi? They're still like spinning "The CL Wheel of Fortune" when applying, if they approve at all. There have been amazingly good results posted by some here when applying for Citi, but they never seem consistent. Oddly enough, they, like BOA have done some things (that continue to come to light) that would suggest there are much more ethical financial institutions to be involved with.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.