I havent gotten 1 single offer from them. I had some 30 day lates with them in 2006 on 3 cards. No wonder they dont trust me.
I would love a BOA card as a way to restart a relationship with them. Guess i have one more year until my baddies from them fall off
Citi, and the company they sold my $0 balance account to in 2009, the infamous Santander Consumer USA... they are both blacklisted in my book. I will never do business with Citi again
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
FIA's allergy to goodwill is just a huge issue for me. I had pretty bad interactions with a few FIA reps a few years back. My account was originally with MBNA.
They have great banking and offer some nice products but nothing better than what I already have. It would really feel like a step backwards at this point.
Starting Score: 675
As someone who was just declined for a 123 card, this thread makes me feel better..... I remember having a bank account with them, for many many years, and their customer service sucked. That is if I could understand what they were saying on the phone. Always loved, back in the days when I didn't manage my money well, when they would pull out the largest item first from my checking, regardless of the date, and then process the transactions largest to smallest to get the maximum amount of fees and they refused to budge when talking to them....
I feel a lot better now, thanks!
I feel a lot better now, thanks!
BofA was the first bank I started business with far back in 2008 when I first came to the US as an international student. Back then I didn't have a social and had absolutely no idea if I stay in the US longer after my studies. BofA branch was just closest to the dorm I lived in (literally next block), so I walked in one day to open an account and a debit card.
Much later in 2011 when I moved to the US and became a resident BofA also was one of my first choices in opening a credit card. They generously gave me $500 CL... For all those years they were the only bank I really had business with.
But today it starts to become a little annoying. This is the financial institution that knows me much longer than any other in the US. I still use that account extensively, so they see a huge part of my day-to-day financial transactions. Nonetheless their CL is the SMALLEST now among all my CLs and what is even worse it cost me a HP in April or May to try to get even a smallest CLI after my 7th or 8th month with them and they simply said no (I spoke to their analyst on the phone) without giving me any specific reason other than "To liitle time passed, try again in several months...". Immediately after that I got Discover and Chase with much higher limits, bot BofA is still at the same level it was almost a year ago...
In fact, I decided to give it a try once again later this year. I'll honestly wait for 13-14 months of my BofA card to pass and ask for another CLI. If "no" again - without any hesitation I'll close my checking account there, SD the card and forget about this bank... probably forever
That's my 5 cents
@mikka1 wrote:BofA was the first bank I started business with far back in 2008 when I first came to the US as an international student. Back then I didn't have a social and had absolutely no idea if I stay in the US longer after my studies. BofA branch was just closest to the dorm I lived in (literally next block), so I walked in one day to open an account and a debit card.
Much later in 2011 when I moved to the US and became a resident BofA also was one of my first choices in opening a credit card. They generously gave me $500 CL... For all those years they were the only bank I really had business with.
But today it starts to become a little annoying. This is the financial institution that knows me much longer than any other in the US. I still use that account extensively, so they see a huge part of my day-to-day financial transactions. Nonetheless their CL is the SMALLEST now among all my CLs and what is even worse it cost me a HP in April or May to try to get even a smallest CLI after my 7th or 8th month with them and they simply said no (I spoke to their analyst on the phone) without giving me any specific reason other than "To liitle time passed, try again in several months...". Immediately after that I got Discover and Chase with much higher limits, bot BofA is still at the same level it was almost a year ago...
In fact, I decided to give it a try once again later this year. I'll honestly wait for 13-14 months of my BofA card to pass and ask for another CLI. If "no" again - without any hesitation I'll close my checking account there, SD the card and forget about this bank... probably forever
That's my 5 cents
That's what I did (closing the account right then and there) when they charged me over $500 in fees one day over some confusion about a deposit and it's timing.. I withdrew all money, closed both mine and my wife's accounts and asked my parents to do the same, which they did. Moved to Chase and a local CU.. and have been extremely happy. Chase has been a really good banking institution since then, so I'm happy with the move.
That's what I did (closing the account right then and there) when they charged me over $500 in fees one day over some confusion about a deposit and it's timing.. I withdrew all money, closed both mine and my wife's accounts and asked my parents to do the same, which they did. Moved to Chase and a local CU.. and have been extremely happy. Chase has been a really good banking institution since then, so I'm happy with the move.
I always was very happy with Chase customer service. I banked with them exclusively from 1999 to 2012. The only reason I closed my Chase account was because we moved and the nearest branch was now a 30 mile drive. Since then I have switched to using NFCU and State Farm Bank. I'm also joint on my husbands account with IBC. IBC works for a brick and morter bank, but their online system is not great. As someone who banks almost exclusively via mobile and online banking, their online banking is fairly annoying. State Farm has the best online system by far, and transfers to my NFCU account are credited as a direct deposit, saving me fees on e-checking.
FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!