topic Re: BOA Better Balance Rewards in Credit Card Approvals

BOA Better Balance Rewards

dapps06 — Sat, 29 Aug 2015 05:35:11 GMT

Applied for this card four months ago and was denied because of too many inquiries, recon failed as well. Applied again a few days ago and was denied, this time the recon was successful apparently, just got an email stating my card is on the way. I called and spoke with customer service and it's only a 1k limit but that's fine with me, I'm just glad the HP wasn't wasted again. I'm not sure how the recon was successful this time considering I had another 5 HP's on the same day that I applied for this card again, sometimes this credit game is just bizarre.

I really like the way this card works, when they say you must pay over the minimum, does literally one cent over (not that I'd do that) count?

Re: BOA Better Balance Rewards

B335is — Sat, 29 Aug 2015 05:50:18 GMT

Congrats!!

Re: BOA Better Balance Rewards

ddemari — Sat, 29 Aug 2015 07:01:33 GMT

Congrats on getting in with boa with the bbr card!

Re: BOA Better Balance Rewards

Anonymous — Sat, 29 Aug 2015 08:04:47 GMT

Congrats on the BofA approval! I'm not really sure 1 cent counts. Never tried it.

Re: BOA Better Balance Rewards

Anonymous — Sat, 29 Aug 2015 08:40:32 GMT

@dapps06 wrote:
Applied for this card four months ago and was denied because of too many inquiries, recon failed as well. Applied again a few days ago and was denied, this time the recon was successful apparently, just got an email stating my card is on the way. I called and spoke with customer service and it's only a 1k limit but that's fine with me, I'm just glad the HP wasn't wasted again. I'm not sure how the recon was successful this time considering I had another 5 HP's on the same day that I applied for this card again, sometimes this credit game is just bizarre.

I really like the way this card works, when they say you must pay over the minimum, does literally one cent over (not that I'd do that) count?

Congrats on your approval!!! The card will grow with you as long as you treat it well. I took advantage of the BT offer, so I will be paying $100 a month until the balance is PIF. There are several posts regarding this credit card. Do a search on the forum. Best of luck!!!

Re: BOA Better Balance Rewards

Anonymous — Sat, 29 Aug 2015 13:26:28 GMT

@dapps06 wrote:
Applied for this card four months ago and was denied because of too many inquiries, recon failed as well. Applied again a few days ago and was denied, this time the recon was successful apparently, just got an email stating my card is on the way. I called and spoke with customer service and it's only a 1k limit but that's fine with me, I'm just glad the HP wasn't wasted again. I'm not sure how the recon was successful this time considering I had another 5 HP's on the same day that I applied for this card again, sometimes this credit game is just bizarre.

I really like the way this card works, when they say you must pay over the minimum, does literally one cent over (not that I'd do that) count?

i only pay down to $1 and leave it. I always pay before due date so i am sure it still report $1 or minimum due $1. As long i charge more than $1 (starbucks) and pay more than $1 (before due date) I always get my $30 every 3 months - $120 a year and always reports $1 to credit bureaus. Never tried $0.50 or $0.1 wonder what that would look like on my credit report or still counts towards ''too many accounts with balances.'' which is what i hate about having BBR...

Re: BOA Better Balance Rewards

alextercero — Sun, 30 Aug 2015 00:53:36 GMT

Congrats

Re: BOA Better Balance Rewards

Anonymous — Sun, 30 Aug 2015 03:34:24 GMT

@Anonymous wrote:
@dapps06 wrote:
Applied for this card four months ago and was denied because of too many inquiries, recon failed as well. Applied again a few days ago and was denied, this time the recon was successful apparently, just got an email stating my card is on the way. I called and spoke with customer service and it's only a 1k limit but that's fine with me, I'm just glad the HP wasn't wasted again. I'm not sure how the recon was successful this time considering I had another 5 HP's on the same day that I applied for this card again, sometimes this credit game is just bizarre.

I really like the way this card works, when they say you must pay over the minimum, does literally one cent over (not that I'd do that) count?
i only pay down to $1 and leave it. I always pay before due date so i am sure it still report $1 or minimum due $1. As long i charge more than $1 (starbucks) and pay more than $1 (before due date) I always get my $30 every 3 months - $120 a year and always reports $1 to credit bureaus. Never tried $0.50 or $0.1 wonder what that would look like on my credit report or still counts towards ''too many accounts with balances.'' which is what i hate about having BBR...

Does it have to report a balance every month in order to be eligible for cash back? I believe the verbiage states you have to pay on time and more than the minimum payment each month to be eligible for the $25 cash back. An additional $5 each quarter if you have a BOA checking or savings account. Best of luck!!!

Re: BOA Better Balance Rewards

Anonymous — Sun, 30 Aug 2015 03:38:16 GMT

Congratulations!

Re: BOA Better Balance Rewards

Anonymous — Sun, 30 Aug 2015 05:30:38 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
@dapps06 wrote:
Applied for this card four months ago and was denied because of too many inquiries, recon failed as well. Applied again a few days ago and was denied, this time the recon was successful apparently, just got an email stating my card is on the way. I called and spoke with customer service and it's only a 1k limit but that's fine with me, I'm just glad the HP wasn't wasted again. I'm not sure how the recon was successful this time considering I had another 5 HP's on the same day that I applied for this card again, sometimes this credit game is just bizarre.

I really like the way this card works, when they say you must pay over the minimum, does literally one cent over (not that I'd do that) count?
i only pay down to $1 and leave it. I always pay before due date so i am sure it still report $1 or minimum due $1. As long i charge more than $1 (starbucks) and pay more than $1 (before due date) I always get my $30 every 3 months - $120 a year and always reports $1 to credit bureaus. Never tried $0.50 or $0.1 wonder what that would look like on my credit report or still counts towards ''too many accounts with balances.'' which is what i hate about having BBR...

Does it have to report a balance every month in order to be eligible for cash back? I believe the verbiage states you have to pay on time and more than the minimum payment each month to be eligible for the $25 cash back. An additional $5 each quarter if you have a BOA checking or savings account. Best of luck!!!

when i left my Better Balance Rewards $0 each month i never gotten $30. Only when i leave $1 so i would say yes it needs to have a balance reported. You can charge $50 while $1 is due and pay $49 before the due date and still report $1 and still earn $30 because $49 is more than $1, more than minium due. Or just use it at starbucks or something. I use it for 10% cash back bankameri deals.