Reply
New Contributor
netsfan549
Posts: 60
Registered: ‎05-31-2012

going to boa branch

My gf has boa checking account so we are going to see if she can get a cc thru them. First we are going to talk to customer service st branch. What should we ask? Thanks
Regular Contributor
dude11
Posts: 237
Registered: ‎06-07-2011

Re: going to boa branch

What kind of card are you looking for? Do you both plan on being on the CC? What are your FICO scores if you happen to know them? Any negatives in her and your credit reports?

Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012

Re: going to boa branch

Cough.  Please don't randomly apply for cards unless you think you have good chance to get.  As such can you tell us about her credit profile and score.

               LIMITS IN CARD DESCRIPTIONS
Community Leader
Valued Contributor
DaveSignal
Posts: 1,973
Registered: ‎07-29-2011

Re: going to boa branch

I applied for my BoA card at the branch, but only because I couldn't put an APO address in the online application.  Even at the branch, however, they made me use a stateside address since they won't mail to APO.  Then the branch rep approved me for the wrong card and I had to do a product change (over the phone while sitting in front of the branch rep at her desk).  If I had to do it again, I would surely just do it online and give a stateside address.

EQ:701 TU:745 EX:694
Barclays Arrival $6.5k - BoA Travel Rewards $15k - SDFCU EMV $15k - NFCU goRewards $20k - CSP $5k - Amex ED $6.5k
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: going to boa branch


netsfan549 wrote:
My gf has boa checking account so we are going to see if she can get a cc thru them. First we are going to talk to customer service st branch. What should we ask? Thanks

If she is a student, I would suggest to go for one of their student cards (typically easier to get). If not, depending on her accounts with BOA, there is the basic BankAmericard or their cash back card. A branch manager could look at her account status and give a general idea on which card she might be able to apply for. She may even have to do a secured card. Either way, just ask to speak to someone about opening up a credit card and someone should be able to assist you. She could also apply online if she has online banking. But, speaking to someone in person could probably point her in the right direction.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: going to boa branch


Crashem wrote:

Cough.  Please don't randomly apply for cards unless you think you have good chance to get.  As such can you tell us about her credit profile and score.


Based on a previous thread, she has nothing what-so-ever on her credit report.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
New Contributor
netsfan549
Posts: 60
Registered: ‎05-31-2012

Re: going to boa branch

She keeps getting letters thru mail saying you have been pre approved for a,student cc
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: going to boa branch


netsfan549 wrote:
She keeps getting letters thru mail saying you have been pre approved for a,student cc

But is she a student? She will need to provide some form of edvidence (school information) she is a student somewhere to get the card. If she is, and she has been pre-approved, I would say that is a good place to start.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: going to boa branch

@jd5189 im not sure about that. I applied for their student plat in 09 when i was 18 and didnt need to show anything saying i was a student.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012

Re: going to boa branch


jsickz32 wrote:
@jd5189 im not sure about that. I applied for their student plat in 09 when i was 18 and didnt need to show anything saying i was a student.

The online application for the student card asks for a plethora of student information. So, it looks like student verification is necessary in this case.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+