topic Re: BoA Platinum Plus MC in Credit Card Approvals

BoA Platinum Plus MC

expatCanuck — Tue, 28 Mar 2023 15:53:32 GMT

Good morning.

I've been eyeing a new guitar. A nice one. One that I could use some time to pay for.

I now have 21 months at 0%.

EX score (which was pulled) at 813, which dropped to 810 with the INQ (making a total of 6). Last INQ had been 5 months earlier. Had been at 4/24 and 3/12. Four of the six INQs will drop by year-end (one by July), so things aren't as dire as the stats indicate. AAoA at 6y6m, before the new card.

The scores and AAoA will certainly fall when the new card reports, but as long as the scores stay dark green, I'm content.

Income adequate.

Immediate online approval for $19K, bringing the total credit that BoA has extended to me to $94K (which of course is absurd).

I *do* have a weakness for nice guitars.

Re: BoA Platinum Plus MC

JoeRockhead — Tue, 28 Mar 2023 15:03:44 GMT

Outstanding SL and approval, congratulations on the new card, and guitar!

Re: BoA Platinum Plus MC

Jeffster1 — Tue, 28 Mar 2023 15:20:02 GMT

Congrats on the approval and the SL!

Re: BoA Platinum Plus MC

TMDSCT — Tue, 28 Mar 2023 15:21:42 GMT

Congratulations! I have one BofA card and I find their offerings and the CS to underwhelming.

Re: BoA Platinum Plus MC

expatCanuck — Tue, 28 Mar 2023 16:06:14 GMT

@TMDSCT wrote:
Congratulations! I have one BofA card and I find their offerings and the CS to underwhelming.

@TMDSCT

This new acquisition fills a useful immediate niche, so I'm happy. Almost double the CL that WF extended 5 months ago, so there's that.

I also find the Customized Cash Rewards card useful -- 3% on internet purchases (albeit only for U.S. purchases).

And my oldest card is BoA, so it's staying.

That said, beyond internet purchases, nothing in BoA's offerings work for me as a daily driver or for meals or travel, so I think I see your perspective.

Re: BoA Platinum Plus MC

CreditMarathoner — Tue, 28 Mar 2023 17:10:21 GMT

Congrats on your approval! Is this the regular Bank Americard card with the 21-month 0% APR?

I guess that card is always a Platinum Plus Mastercard then regardless of SL, rather than a World Elite?

Once the 21 months expire, are you going to PC it to a rewards card?

Re: BoA Platinum Plus MC

M_Smart007 — Tue, 28 Mar 2023 17:42:59 GMT

@expatCanuck,

Congrats on your new Guitar

Re: BoA Platinum Plus MC

Traveler101 — Tue, 28 Mar 2023 17:57:55 GMT

Congratulations 🎊

Re: BoA Platinum Plus MC

expatCanuck — Tue, 28 Mar 2023 19:38:49 GMT

@CreditMarathoner wrote:
Congrats on your approval! Is this the regular Bank Americard card with the 21-month 0% APR?

I guess that card is always a Platinum Plus Mastercard then regardless of SL, rather than a World Elite?

Once the 21 months expire, are you going to PC it to a rewards card?

@CreditMarathoner

Thanks.

BoA displays it as a Platinum Plus when I log in. Haven't received the physical card yet, so don't know if it'll say World Elite.

As for what happens in 21 months, I may know in 20 months, but I don't buy green bananas, so ... .

Re: BoA Platinum Plus MC

CreditAggie — Tue, 28 Mar 2023 19:29:57 GMT

Congratulations on your BofA approval!

Re: BoA Platinum Plus MC

coreyb80 — Tue, 28 Mar 2023 20:02:55 GMT

Congrats on the nice approval!

Re: BoA Platinum Plus MC

jibc1978 — Tue, 28 Mar 2023 20:40:42 GMT

congrats on the approval!

Re: BoA Platinum Plus MC

NoMoreDebt — Tue, 28 Mar 2023 23:48:23 GMT

congrats on the approval

Re: BoA Platinum Plus MC

sznthescore — Tue, 28 Mar 2023 23:50:49 GMT

$19K isn't too bad, congratulations!

Re: BoA Platinum Plus MC

CreditMagic7 — Wed, 29 Mar 2023 02:50:36 GMT

Congratulations on your BofA Platinum Plus MC approval!

Re: BoA Platinum Plus MC

nuohlac — Wed, 29 Mar 2023 03:20:26 GMT

Congratulations on your approval!!!

Re: BoA Platinum Plus MC

nytokyobred79 — Wed, 29 Mar 2023 04:34:16 GMT

Congrats on your great BoA approval and continuing that strong relationship with them.

Re: BoA Platinum Plus MC

expatCanuck — Wed, 29 Mar 2023 18:14:26 GMT

@sznthescore wrote:
$19K isn't too bad, congratulations!

@sznthescore

Particularly on top of the $75K they've already extended to me. I believe I've maxed out that relationship.

Re: BoA Platinum Plus MC

expatCanuck — Sat, 01 Apr 2023 22:33:51 GMT

Closing the loop -- it took BoA only 5 days to report the new account.

Re: BoA Platinum Plus MC

Adkins — Sun, 02 Apr 2023 07:11:09 GMT

Congratulations!!