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The other day when I called in for a APR decrease. I noticed BOFA put 2 Balance Transfer promos on my account. 0% APR to Mar 2014 , and 1.99 APR to Jun14 transfer fee 4%. Also includes cash advances to my checking account. While I don't per say need the money , it a pretty cheap loan , and I am going on a trip at end of March to SF. I assume they are trying to entice me because my Utilization overall on my report is never above 5% , and I pif my sigga cash rewards each month.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
@toppers555 wrote:The other day when I called in for a APR decrease. I noticed BOFA put 2 Balance Transfer promos on my account. 0% APR to Mar 2014 , and 1.99 APR to Jun14 transfer fee 4%. Also includes cash advances to my checking account. While I don't per say need the money , it a pretty cheap loan , and I am going on a trip at end of March to SF. I assume they are trying to entice me because my Utilization overall on my report is never above 5% , and I pif my sigga cash rewards each month.
I take advantage of offers like this all the time.
I also have these BT offers on my account. Plus today I called them and they upped my credit limit from $2, 500 to $12, 500 with only a SP (haven't seen any hard from them as yet) and upgraded my basic Bank Americard Visa card to a Travel Rewards card. They sent a feedback questionnaire to my email and I was effusive with praise for the excellent service I received from BofA.
I also keep my overall util really low... just 1% and I used the BT offers on their card regularly and PIF. I guess they like that so they've decided to reward me for been a good customer.
@LS2982 wrote:
Thats some awesome offers!! BofA does get a lot of negative press here nice to see they are making some positive changes.
Dare I say BofA/FIA really is awesome now. They have been great to me in the last two years. They have done 3 CLI (1 w/ hard pull), 4 PC's and reduced my purchases/BT's to 9.99%. I just got the Fidelity Amex without a problem. They always send me offers like 5x points on certain categories and offer special BT"S promotions. They have been better to me than Chase has. That is saying a lot because Chase also takes care of me but lately FIA has been on their game! I like bank competition! Too bad bad US Bank could not compete, RIP Cash+ you will be missed.
@flowfaster wrote:
@LS2982 wrote:
Thats some awesome offers!! BofA does get a lot of negative press here nice to see they are making some positive changes.Dare I say BofA/FIA really is awesome now. They have been great to me in the last two years. They have done 3 CLI (1 w/ hard pull), 4 PC's and reduced my purchases/BT's to 9.99%. I just got the Fidelity Amex without a problem. They always send me offers like 5x points on certain categories and offer special BT"S promotions. They have been better to me than Chase has. That is saying a lot because Chase also takes care of me but lately FIA has been on their game! I like bank competition! Too bad bad US Bank could not compete, RIP Cash+ you will be missed.
Yes I think the big banks are finally loosening up after the great credit crunch of 09. They've been pumped with money from the Feds and I think they are in the mood to lend if you meet their profile. So far, the three bigs: Citi, Chase, and BofA have been good to me.
@flowfaster wrote:
@LS2982 wrote:
Thats some awesome offers!! BofA does get a lot of negative press here nice to see they are making some positive changes.Dare I say BofA/FIA really is awesome now. They have been great to me in the last two years. They have done 3 CLI (1 w/ hard pull), 4 PC's and reduced my purchases/BT's to 9.99%. I just got the Fidelity Amex without a problem. They always send me offers like 5x points on certain categories and offer special BT"S promotions. They have been better to me than Chase has. That is saying a lot because Chase also takes care of me but lately FIA has been on their game! I like bank competition! Too bad bad US Bank could not compete, RIP Cash+ you will be missed.
US Bank much of my business too. I will also be using Chase much more.
In the few years I have been with Bofa I have not had anything but positive experiences. Also I got a suvery as well . Was happy to give the rep all 10's/
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!