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@Anonymous wrote:I went 2 months without anydeals, but now I have all the deals and more that the previous poster has. I'm not sure what triggers it, but I refused to use my card because my other cards have better rewards but now that the deals are back it has seen some use this month.
Well thats because I don't use my MLB rewards card at much really
All my deals still show up, I use them whenever one comes up that I need as 10% is pretty good.
I checked my available BankAmeriDeals and atm, they are listing 32 total offers for my BoA card. Some of them are not too bad (5% on Whole Foods purchases, 10% on Maggiano's and Olive Garden restaurants, etc.). I usually don't look at them too often, so perhaps I should be checking them more closely, lol...
@SMikulski49 wrote:All my deals still show up, I use them whenever one comes up that I need as 10% is pretty good.
+1
I still always get new deals and always have.
BofA is unique as i see it in that those buds n gals work ALL NIGHT and WEEKENDS in there too.
They have on numerous occsions lit up my alert system in the middle of the night with, you guessed it, "A New BankameriDeal Is Available"
Also they process payments in the middle of the night because i've checked them on that too
BofA Really ROCKS!
The best I've ever got was $50 for ATT.
Consistently get deals of 5-10% for PetSmart and Petco.
Assumption could be made it's because I use the Cash rewards there everytime a deal pops up. As the months progress, a deal is used, given, another one pops up immediately.
There are BankAmerideals currently on my Cash Rewards card, I just checked.
None of mine are really for places I would ever use.
Apparently it is driven my usage, since I just checked my BBR and there are no offers at all.
This would actually make sense in my case, though, since the card has never been swiped a single time. I got a BT the night I activiated it, so I can't use it until the BT is PIF or else I'll have to pay interest on the new purchases.
This is the first time I've ever made payments on a major credit card without swiping it at least once... LOL.
@UncleB wrote:Apparently it is driven my usage, since I just checked my BBR and there are no offers at all.
This would actually make sense in my case, though, since the card has never been swiped a single time. I got a BT the night I activiated it, so I can't use it until the BT is PIF or else I'll have to pay interest on the new purchases.
This is the first time I've ever made payments on a major credit card without swiping it at least once... LOL.
No, this is a misconception. Particularly, especially, with BofA. I've had BT's on both of my oldest BofA cards, which have no rewards other than the BT offers. I used the BankAmeriDeals often, and used them on a BofA card carrying a 0% BT offer.
The reason it works is, with BofA, if you watch the charge go Pending and then Posted, you can arrange an online payment and as long as your payments for the month are more than the Minimum Payment (which is going to be applied to the lowest or 0% APR balance first) plus those new charges, plus a few bucks extra just to cover the rounding, plus the dollars you are paying down the BT, you will not pay interest. I usually let the BankAmeriDeals (or whatever I'm charging) post a few days, then arrange an extra payment to cover them. It's not turned up as interest cost on my month end statement. This is using a BankAmeriDeal for Starbucks. Soon after these posted I paid an amount that covered them. No interest cost on the statement.
Don't try this with US Bank, you'll get caught in a $2 monthly minimum interest charge, but BofA and Capital One certainly can do this.
@NRB525 wrote:
@UncleB wrote:Apparently it is driven my usage, since I just checked my BBR and there are no offers at all.
This would actually make sense in my case, though, since the card has never been swiped a single time. I got a BT the night I activiated it, so I can't use it until the BT is PIF or else I'll have to pay interest on the new purchases.
This is the first time I've ever made payments on a major credit card without swiping it at least once... LOL.
No, this is a misconception. Particularly, especially, with BofA. I've had BT's on both of my oldest BofA cards, which have no rewards other than the BT offers. I used the BankAmeriDeals often, and used them on a BofA card carrying a 0% BT offer.
The reason it works is, with BofA, if you watch the charge go Pending and then Posted, you can arrange an online payment and as long as your payments for the month are more than the Minimum Payment (which is going to be applied to the lowest or 0% APR balance first) plus those new charges, plus a few bucks extra just to cover the rounding, plus the dollars you are paying down the BT, you will not pay interest. I usually let the BankAmeriDeals (or whatever I'm charging) post a few days, then arrange an extra payment to cover them. It's not turned up as interest cost on my month end statement. This is using a BankAmeriDeal for Starbucks. Soon after these posted I paid an amount that covered them. No interest cost on the statement.
Don't try this with US Bank, you'll get caught in a $2 monthly minimum interest charge, but BofA and Capital One certainly can do this.
This is interesting (and good to know). The night I activated my card the CSR who helped me seemed (?) quite knowledgeable, and specifically warned me that if I made any purchase at all - even a stick of gum - I would have to pay interest on it until the balance was PIF.
Clearly he was wrong, at least as long as my account has the exact same terms as yours. There's no reason for me to use the BBR anyway since I have plenty of other cards I can use but it's nice to know it's possible.
Finally, I wish banks would get their facts straight when it comes to how this works with their accounts... Discover has a similar disclaimer in print on their site; they flat-out tell you that if you make new purchases while carrying a 0% BT you will pay interest, yet other people on here have said that in practice that's not the case either.
Thanks again for sharing... it's nice to know that in a bind at least using my BBR is an option.