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Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
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Bank of America

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What exactly is a Bank of America 123 card? I have a BofA Americard Visa and Mastercard and was thinking of PC'ing it later?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Established Contributor
Posts: 932
Registered: ‎06-12-2012
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Re: Bank of America

It's their cash-back rewards program.

 

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Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
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Re: Bank of America

How do you know you have that reward ( not so seem like an airhead)

Should I chat with online help?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
Posts: 6,596
Registered: ‎04-07-2008
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Re: Bank of America


AvaMommy wrote:

How do you know you have that reward ( not so seem like an airhead)

Should I chat with online help?


If you're talking about this card, here's the link:

 

https://www.bankofamerica.com/credit-cards/products/cash-back-credit-card.go?cid=2083809&po=B9

 

 




Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: Bank of America

Thank you...usually how long should you wait for a PC

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
Posts: 6,596
Registered: ‎04-07-2008
0

Re: Bank of America

At least 12 months wait for PC. So on your 13th month, it would be safe to PC.




Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: Bank of America

Great...thanks everyone for the info

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Frequent Contributor
Posts: 297
Registered: ‎08-08-2012
0

Re: Bank of America

BTW, which product is the best that Bof A offers?

Starting Score: FAKO: TU 602 EQ 550 EX 565 - 08|2012
Current Score: MyFICO: TU 633 EQ 637 EX 669 (AMEX PULL)09|2012
Goal Score: 700 across the board In my wallet: NFCU cashRewards 12000CL, NFCU LOC 10K CL, BofA cashRewards 5000CL, BofA PP 3000CL, JAREDS (AU) 1500CL, SEARS (AU) 7000CL
Under my mattress: Orchard Bank 320CL and Saks Fifth Avenue 100CL. Finally in the Garden. App Free Since 9/18/12 - No apps until March 2013
Super Contributor
Posts: 6,596
Registered: ‎04-07-2008
0

Re: Bank of America

[ Edited ]

AvaMommy wrote:

BTW, which product is the best that Bof A offers?


It depends what you're trying to get in terms of rewards. Cash or Points

 

The best thing to do is to click on this link: https://www.bankofamerica.com/credit-cards/overview.go

 

And select the category you want i.e. cashback, points etc ...

 

That would be a good starting point.




Frequent Contributor
Posts: 307
Registered: ‎08-19-2010
0

Re: Bank of America

I PC'd mine only three months after getting my old card.

 


AvaMommy wrote:

Thank you...usually how long should you wait for a PC




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