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Bank of America

Frequent Contributor

Bank of America

Community

 

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
Message 1 of 21
20 REPLIES
Established Contributor

Re: Bank of America

It's their cash-back rewards program.

 

Structured:

 

3% Gas

2% Groceries

1% Everything

AMEX SPG $30K | Citi TY Premier $20k | PenFed PlatRewards $25k | Barclay Arrival+ 40k | Chase Freedom $20k | BofA AMEX $15k | Discover IT $20k | | NASA Platinum-Advantage $20k | CapOne Quicksilver $15k | Amazon Card $10k |

My Journey from Sub-600s:
Message 2 of 21
Frequent Contributor

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
Message 3 of 21
Super Contributor

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

 

 




Message 4 of 21
Frequent Contributor

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
Message 5 of 21
Super Contributor

Re: Bank of America

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




Message 6 of 21
Frequent Contributor

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
Message 7 of 21
Frequent Contributor

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
Message 8 of 21
Super Contributor

Re: Bank of America


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.




Message 9 of 21
Frequent Contributor

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





Message 10 of 21