topic Re: Americard BofA in Credit Card Applications

Americard BofA

Anonymous — Mon, 03 Sep 2018 01:48:49 GMT

Just applied for this card as I’m trying to transfer balance from my other cc that has a high apr and I’m trying to take advantage of the 0% apr and no fee for doing so. To my surprise my application went to Pending.
Does anyone know how long it takes to receive an answer of Approval/Denial.

Re: Americard BofA

Anonymous — Tue, 04 Sep 2018 13:32:07 GMT

Welcome to the forum!

Please provide us with data points e.g. Your credit scores, average age of accounts, no baddies etc.

Did you receive a 7-10 day message after it went to pending status? BTW the 7-10 day message doesn't necessarily mean an approval or denial.

Re: Americard BofA

Loquat — Tue, 04 Sep 2018 11:35:34 GMT

@Anonymous wrote:
Just applied for this card as I’m trying to transfer balance from my other cc that has a high apr and I’m trying to take advantage of the 0% apr and no fee for doing so. To my surprise my application went to Pending.
Does anyone know how long it takes to receive an answer of Approval/Denial.

Hi OP and welcome to the Forum. I've app'd with BoA and had it go pending only to have it approved some 3 days later. Like the other poster has mentioned, it could go either way. You can always call the status line to get updated information. Good luck!

Re: Americard BofA

Priotelus-Temnurus — Wed, 27 Feb 2019 18:19:22 GMT

It usually takes from couple of days to 10 days. It can go either way. I applied 4 months ago and was approved for a 2.3k CL after a week.

Re: Americard BofA

Anonymous — Wed, 27 Feb 2019 19:32:41 GMT

@Priotelus-Temnurus wrote:
It usually takes from couple of days to 10 days. It can go either way. I applied 4 months ago and was approved for a 2.3k CL after a week.

I suppose the OP long ago got his answer since this thread was from September 2018. Any reason in particular you sought this one out to recuscitate?

Re: Americard BofA

Remedios — Thu, 28 Feb 2019 05:03:37 GMT

I've resurrected threads because I did not look at the date. No harm in that, and the answer is directly related to OP's question, as old as it may be.

Re: Americard BofA

AverageJoesCredit — Thu, 28 Feb 2019 12:15:52 GMT

Lol it happens . Especially while searching or if new. So long as thread isnt over a year old its not really a problem. Ive done it myself responding to a thread only to realize the post was from months ago

Re: Americard BofA

Anonymous — Thu, 28 Feb 2019 21:03:13 GMT

@Remedios wrote:
I've resurrected threads because I did not look at the date. No harm in that ...

As surely have I. No harm in that indeed.

But I remain curious.