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New Contributor
a4aseph
Posts: 53
Registered: ‎08-14-2010

Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

hi guyz i just recieved a preselected offer from BankAmericard Cash Rewards Visa Credit Card, it has a APR between 12.99% and 19.99% and 0% introductory APR for the first 12 billing cycles.

my questions is :

                                        is it a good card to have it ? and i recently denied by American Express Blue on a pre approved offer, while i have a short credit history and i'm AU on 3 AMX cards and Citi Prefered Visa card of my wife and i my self have a Macy's Store card and Amx Gold card which i got two months ago.

 

Please tell me should i go for this card and if i go for it would i be approved or not ? and if they deny me will it be a soft pull or hard pull ???

regards.

New Contributor
a4aseph
Posts: 53
Registered: ‎08-14-2010

Re: Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

any suggestion please ?

Frequent Contributor
bakalao2k
Posts: 448
Registered: ‎02-21-2009

Re: Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

It is a good offer if you can get it, but what are your scores like?

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Frequent Contributor
bakalao2k
Posts: 448
Registered: ‎02-21-2009

Re: Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

I'm sorry to create an additional post, but it will be a hard pull.

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Mega Contributor
Creditaddict
Posts: 16,879
Registered: ‎10-23-2007

Re: Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

I always suggest you wait 6 months from time of getting gold card to time of applying for a credit card product with amex.

as far as bofa goes you could go do the pre-approval thing and see if anything is offered.

If you apply for this offer you have it will be a hard pull but the pre-approval on there website is soft until you apply

Fico Scores: EQ 620, TU 675 & EX 703 (4-1-14)
Joint Cards: Navy NavCheck $15000, Discover iT $9000, Macy Amex $4000, Macy Store $3000, Macy Furniture $5800
AU: Virgin America $8500, CSP $27,000, Fidelity Amex $25,000, AA Biz $25,000, Barclay USAir Biz $6640
Mine: Navy NavCheck $3000, Kay Jewelry $2700, Pottery Barn $2800, FleetCard MC Biz $1800, HSN $1500, Vitacost MC $1500, Navy Cash $1500 and nRewards $1500, Bill Me Later $772, Cap1 Sony $750, Cap1 Spark $750, Best Buy MC $750, GE 76 Gas $650, Von Maur $600, Cap1 QuickSilver $500, Burbank CU $500, Kohls $300, Target1 $300, Target2 $300, Buckle $250, Express $250, Target3 $200
Frequent Contributor
credit4me
Posts: 348
Registered: ‎06-27-2007

Re: Preselect offer from BankAmericard Cash Rewards Visa Credit Card .. Should i go for it ??????/

I got the same pre-approval last month from them and got an instant 10,000 CL with a hard pull on TU.. My TU score was 703 at th time. Hope this helps.



Starting Score: 576
Current Score: 724
Goal Score: 850

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