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

New Contributor

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.

Message 1 of 6
5 REPLIES
New Contributor

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

any suggestion please ?

Message 2 of 6
Frequent Contributor

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
Message 3 of 6
Frequent Contributor

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
Message 4 of 6
Epic Contributor

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

Message 5 of 6
Highlighted
Frequent Contributor

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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Message 6 of 6