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going to boa branch

Regular Contributor

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
21 REPLIES
Regular Contributor

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

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
Valued Contributor

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.

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Frequent Contributor

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

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.
Regular Contributor

Re: going to boa branch

She keeps getting letters thru mail saying you have been pre approved for a,student cc
Frequent Contributor

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

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.
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Frequent Contributor

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.