09-13-2010 02:00 PM
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 ???
09-13-2010 04:24 PM
It is a good offer if you can get it, but what are your scores like?
09-13-2010 04:25 PM
I'm sorry to create an additional post, but it will be a hard pull.
09-13-2010 04:26 PM
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
09-13-2010 04:30 PM
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.