Question About Pre-Approvals from BOA, Platinum Visa,

[ScarletFever]

The requirements state that to receive the cards, there must be no late payments in credit report.

Thoughts and experiences?

Thanks

[Anonymous]

Where did you read that?

Do you have a URL?

[ScarletFever]

In the terms section of the pre-approvalletter I received in the mail....that seems to be the norm now...

[Anonymous]

Interesting. I don't see any mention of that in the Ts & Cs on their generic website info, located at:

http://www.bankofamerica.com/creditcards/index.cfm?context_id=marketing_detail&offer_id=ECOMM0908API00400800122011EN000&left_hig=all_cards

[WhirledPeasPlease]

I had a few lates when I app'd and was approved.  All were at least 3 years old and the worst ones were almost 7.  I was approved for the BofA Amex.  They pulled both EX and TU which have a few differences, but both contain similar derog info.

HTH

P

[Anonymous]

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@WhirledPeasPlease wrote:

I had a few lates when I app'd and was approved.  All were at least 3 years old and the worst ones were almost 7.  I was approved for the BofA Amex.  They pulled both EX and TU which have a few differences, but both contain similar derog info.

HTH

P

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Which of the BOA Amexes did you get and how do you like it?

[WhirledPeasPlease]

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watchnerd wrote:


Which of the BOA Amexes did you get and how do you like it?

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It was the Bank of America Rewards™ American Express® Card.  I've had it less than a month so I'm not sure how well I like it yet.    I wanted an 'in' with a prime bank and this was it for me.  I figured the concierge service would be really neat -- until I realized that they just pull info from secondary retailers for tickets and stuff.  Gee, I can do that as long as I'm in front of a computer.

So far I'm a bit underwhelmed.  (I'm still in the puppy love phase w/ my Disc More card.)

P

[Anonymous]

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WhirledPeasPlease wrote:

I figured the concierge service would be really neat -- until I realized that they just pull info from secondary retailers for tickets and stuff.  Gee, I can do that as long as I'm in front of a computer.

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Well, that's disappointing.  That's one of the main reasons I wanted that card.  I thought I might consider it my "poor man's Amex Platinum."  I posted a thread a couple of months ago asking if anyone had any experience with the BofA MyConcierge service, but only got a couple of takers.

Watchnerd, do you know if the Accolades version uses the same MyConcierge service as the Rewards Amex?

[WhirledPeasPlease]

Sorry Cheese --

I played around with different types of tickets, so that's my only experience with this feature.  The dining and special event perks might be worth a try.  The ultimate access things are really neat.  (However my measly 280 points are not worth much -- ie, it's 95k points to play in a big name golf tournament.)

I was just trying to find the statement about resellers and I can't.  Argh!

P

[Anonymous]

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@Anonymous wrote:

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@WhirledPeasPlease wrote:

I figured the concierge service would be really neat -- until I realized that they just pull info from secondary retailers for tickets and stuff.  Gee, I can do that as long as I'm in front of a computer.

---

Well, that's disappointing.  That's one of the main reasons I wanted that card.  I thought I might consider it my "poor man's Amex Platinum."  I posted a thread a couple of months ago asking if anyone had any experience with the BofA MyConcierge service, but only got a couple of takers.

Watchnerd, do you know if the Accolades version uses the same MyConcierge service as the Rewards Amex?

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I have the BofA Visa Signature, Accolades, and regular Amex Rewards (this is being product changed to a MC) cards. I'm pretty sure all 3 use the same MyConcierge service.

I find MyConcierge most useful for issues where I don't want to or have time to do the leg work. Example: I use it to send flowers to my wife. I tell them where she works, the price range, what color of flowers she likes, delivery date, etc, and they're the ones who do the hunt to find a local florist who meets the criteria and arrange the delivery.

I also used them to buy a Nintendo Wii, which is mostly out of stock everywhere. I had them do the legwork to hunt down someplace with them in stock and have it shipped to me.

I once used them for car detailing: find a guy to pick my car up at work, detail it, and bring it back.

I definitely find it useful, but it's best to use it for purchases that require some time and effort and are easy to delegate.

Message Edited by watchnerd on 04-08-2008 01:44 PM

Message Edited by watchnerd on 04-08-2008 01:45 PM