topic Re: Bank of the West Cash Back Mastercard Approval! in Credit Card Approvals

Bank of the West Cash Back Mastercard Approval!

Anonymous — Mon, 17 Apr 2017 01:59:44 GMT

I was looking for something to replace my Sallie Mae MC (RIP, you will be missed). Heard a few people talking about the Bank of the West Cash Back Mastercard, which offers 3% on groceries, dining, and gas. It turns out that I'm actually in their geographic footprint for once (or enough to apply; there's a branch in my state but it's hundreds of miles away)--I feel like I never live in the right place for all the cool region-exclusive cards! Starting limit is $6k, which is plenty for what I'm going to use it for

I just got it in the mail. The card itself seems to be good, but the online account experience leaves a bit to be desired. I don't have a bank account at Bank of the West, but I can still sign up for online access for my card. That's all well and good, except there doesn't seem to be an autopay option (or even a normal pay option that lets you pull more than $1000 from your bank account more than once a month). Looks like I'm going to have to learn how to be super vigilant about payments--I'm usually a set it and forget it (i.e., let autopay handle it) kind of person.

Edit: Turns out you can sign for autopay! It's just not online. You have to call in and they will mail a form to you, and that you have to send back your bank account info and a voided check. You get the standard options for autopaying the minimum payment or the full balance.

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 07:56:43 GMT

Congratulations!

I've been trying to compile data on this bank in the hopes of eventually getting my own card - would you mind sharing what your scores were when you applied, your utilization, that sort of thing? It would be greatly appreciated

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 09:52:43 GMT

Congrats. This is a great card I always wonder why it doesn't get talked about more. 3% on all three main categories is good. I have debated on this one myself.

I, too, and interested in DPs when you get time. Thx and congrats again.

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Thu, 23 Mar 2017 00:16:52 GMT

The card doesn't get talked about much because its west coast. I myself would love to have that card I am still cleaning up my record and have a lot to pay down first.

Congrats on approval!

(Mod Edits-Removed parts that should not be posted on myFico)

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 12:50:30 GMT

A little angry about California? Lol

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 13:39:06 GMT

@Anonymous wrote:
Congratulations!

I've been trying to compile data on this bank in the hopes of eventually getting my own card - would you mind sharing what your scores were when you applied, your utilization, that sort of thing? It would be greatly appreciated

Sure, they pulled Experian. Score was 784. Utilization around 3% across all cards, but one of my cards was reporting over 30%...

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Thu, 23 Mar 2017 00:17:50 GMT

@Anonymous wrote:
The card doesn't get talked about much because its west coast. I myself would love to have that card I am still cleaning up my record and have a lot to pay down first.

Congrats on approval!

Well, it's certainly not available on the east coast, but I live very far from California in the midwest.

Thanks!

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 13:41:07 GMT

@Anonymous wrote:
A little angry about California? Lol

Nah, don't live in California. That's somewhere that has cool cards regularly, like JCB Marukai.

In case anybody else is interested, you can apply if you're in one of these states:

Arizona
California
Colorado
Idaho
Iowa
Kansas
Minnesota
Missouri
Nebraska
Nevada
New Mexico
North Dakota
Oklahoma
Oregon
South Dakota
Utah
Washington
Wisconsin
Wyoming

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 13:46:21 GMT

I'm actually in the Midwest too. Had no clue we have them here in Wisconsin. (I live in California 1/2 the year tho)

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 14:11:00 GMT

@Anonymous wrote:
I'm actually in the Midwest too. Had no clue we have them here in Wisconsin. (I live in California 1/2 the year tho)

Ha, I guess that means you can apply for it in either half of the year if you wanted it! And yeah, Wisconsin is probably closer to the east coast than California. Can't imagine packing up my stuff and moving between the two regularly because it seems like it would take a while to pack up and get there.

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 14:22:54 GMT

Congrats on your approval and great SL

Re: Bank of the West Cash Back Mastercard Approval!

kidink1911 — Wed, 22 Mar 2017 14:52:08 GMT

Congratulations on your approval!

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Wed, 22 Mar 2017 23:39:01 GMT

@Anonymous wrote:
A little angry about California? Lol

#CaliforniaForever

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Thu, 23 Mar 2017 13:20:02 GMT

Lol. I agree

Re: Bank of the West Cash Back Mastercard Approval!

Anonymous — Thu, 23 Mar 2017 16:41:53 GMT

Congrats on the approval!