06-18-2013 02:46 PM - edited 06-18-2013 02:46 PM
Gah, so much for gardening.
Pulled the trigger - instant approval for 5K, my highest limit yet.
Now definitely no more cards for a very, very long time.
In any case, thanks to everyone for the advice! As much as I didn't want to open any more cards, having to deal with cash and outrageous ATM transaction fees in the absence of a chip card turned out to be an even less desirable option. If it wasn't for you guys, I wouldn't have thought of it.
I assume you applied for the BofA Travel Rewars card? It's one of my favorite cards! Congratulations!
06-18-2013 04:31 PM
Thanks once again! It is the BankAmericard Travel Rewards. I was honestly 110% sure I'd get denied, and yet they not only approved me, but were more than generous with the credit limit!
Is it a good idea to let them know I'm going to be traveling (so they don't flag the card as suspicous), or does the travel card presume that it's going to get used all over the world?
06-18-2013 05:31 PM
Yes you should tell them. Only takes you a minute but buys you peace of mind.
Will do then.
06-18-2013 11:47 PM
Yes you definitely want to call BofA and let them know you are travelling. But even with the travel alert be prepared that the card could get blocked. Have the phone number ready and they will instanly open it again. This is with ALL US cards. I have called numerous times to unblock Discover even with travel warning. It even blocked my card within the US. The use in two cities within a 4 hrs time range (New York and Miami) also got a fraud alert and the cards got blocked. But I have been told the card will be "learning" and it should get better. This I can confirm as my BofA card does not require me to call for the use in Europe and US anymore. But when travelling to Asia I definitely call. But with new cards you will need to pay attention. Your profile has to be generated first.
Have a nice and safe trip
06-19-2013 05:12 AM - edited 06-19-2013 05:13 AM
I just came back from Europe, i was out 45 days, I used BOA Travel rewards everywhere no issues, a really great cc to have for traveling abroad, although i also had my Capital one cash rewards cc which also doesn't have FTF, cap one is much more sensitive for various transactions and they think they are suspicious so I got a call them, BOFA it was a sweet ride all the way....
06-19-2013 06:12 AM
It's great to hear that everyone is liking this card so much. I was reading up on chip&PIN vs chip&sign this morning, and was about to go into panic mode, as a lot of articles say that the chip&sign is vastly inferior to the "true" chip&pin.
We also agreed that I would add my partner and it would be our designated travel card - he does a lot of travel for work (company reimbursed), so that should bring in a nice influx of reward points.
Also, this morning I logged in to my account and saw that they are actually giving me a Signature Visa card! *happy dance*
Super excited about the free CDW rental insurance (in Europe that's something along the lines of 15-20EUR/day extra) and getting to play around with the concierge service. I looked through the hotels, most seemed on the "out of our budget" side, but maybe off-season there will be something interesting.
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