topic Re: AAA CC in Credit Card Applications

AAA CC

CYBERSAM — Fri, 10 Apr 2020 19:02:30 GMT

I received preselected invite from AAA CC! Few years ago they declined my app because of very old collection that I had with them! Even tho it was over 10 years, they still declined me for the same card.

So 3 days ago decided to take the mail in invite and app for the AAA CC! Went through the application and got “We’ll review your app later” type of msg. They didn’t pull my credit till a day later…

I don’t have any relationship with Bank of America, so is it possible to get that card still? Hope they are not holding a grudge lol

Re: AAA CC

Anonymous — Fri, 10 Apr 2020 19:17:23 GMT

I received a pre-select email as well. I was going to see does anyone have the card.

Re: AAA CC

kdm31091 — Fri, 10 Apr 2020 21:48:46 GMT

The card is not all that easy to get from what I've heard. Definitely have seen some denials floating around here in the past. A relationship with BoA is not required but it does seem to help with their CCs.

Re: AAA CC

CYBERSAM — Sat, 11 Apr 2020 02:29:57 GMT

@kdm31091 wrote:
The card is not all that easy to get from what I've heard. Definitely have seen some denials floating around here in the past. A relationship with BoA is not required but it does seem to help with their CCs.

😥They did denied me before, its been along time since I dealt with BoA!

However last time they denied me kinda quick! So still figured crossed!

The thought of someone actually going to review my info feels like 90s lol. if in case that is happening...

Re: AAA CC

Anonymous — Sat, 11 Apr 2020 04:36:22 GMT

LOL I was wondering why you even wanted the card until I realized you were talking about the BOA version rather than the USB version.

Re: AAA CC

CYBERSAM — Sat, 11 Apr 2020 05:45:26 GMT

@Anonymous wrote:
LOL I was wondering why you even wanted the card until I realized you were talking about the BOA version rather than the USB version.

haha, not sure why AAA uses 2 banks! BoA seems like a better card tho. But I would have settled for US Bank version by now!

Re: AAA CC

Mv350 — Sat, 11 Apr 2020 09:19:36 GMT

I applied and was denied with a 6 year old medical. BOA pulled EX. Nothing surpirsing. I'm INQ and new account heavy.

Re: AAA CC

kdm31091 — Sat, 11 Apr 2020 12:57:03 GMT

Aren't the rewards identical between the US Bank and the BoA version though? Same 3/2/1% structure. With BoA I think the card is eligible for the Preferred Rewards bonuses so that would help a little, but only a little, since the bonus is only applied to the base point.

Re: AAA CC

Anonymous — Sat, 11 Apr 2020 14:24:11 GMT

Best of luck if you decide to apply 🤞

Re: AAA CC

AllZero — Sat, 11 Apr 2020 18:19:08 GMT

Good luck on your application!

Re: AAA CC

Anonymous — Sat, 11 Apr 2020 19:11:55 GMT

Well the US Bank/ACG structure is trash for me, it’s useless really imo. Nice padding, nice CL, but useless to me. There are three different versions of the US Bank AAA card. You’ve got the Dollars, the Dollars Plus, and the Dollars Gas Rebate version.

The Dollars version, you get one percent on everything, but it’s unlimited they say. Wow, Lol. The Dollars Plus has the 3/2/1 structure with 3% being AAA items and supposedly some travel, the 2% being gas stations, grocery store, and drugstore and 1% for everything else.

Now get ready for a laugh. The Gas Rebate version gives you 5% for gas......(wait for it).... but it’s capped at 2% of your total purchases! So if all you use it just for gas, it’s going to be a 2% gas card. If you want that 5%, you got to do a lot of non-category spend at 0% CB. Have you ever heard of such?

I guess if you have a lot of non-category spend and you don’t have a 1.5% or 2% card, maybe you could put the additional spend there w/o CB, so that you can have enough spend to be able to get some of the 5% on gas, but good luck! To me, it renders it a 2% gas card.

So, the Dollars is a 1% card and the Dollars Plus adds gas, grocery, drugstore at 2% (and 3% on AAA items and some travel), and the gas rebate is a 2% gas card, unless you want to waste a lot of noncategory spend.

Family member who had been using the Dollars had been using it thinking they were getting 2% on everything when they were really getting 1% on everything.

So I’m not a big fan, but maybe for some people it would be a good fit. Personally I would just go for a 2% card.

Plus AAA sells car insurance. I was reading something somewhere. I don’t know whether it’s true or not and I can’t recall the source, but it indicated that AAA always sends a representative to oppose any speed limit increases, even in situations where not raising the speed limit would increase the risk to safety. Reason being, the more tickets, the higher the premiums and therefore the higher the profits. Again don’t take this as a statement of fact because I cannot remember the source but made me rethink my AAA membership.

Re: AAA CC

CYBERSAM — Sat, 11 Apr 2020 20:10:16 GMT

@Anonymous That's pretty good info on US Bank.

Last time I took a trip, AAA gave me the biggest discount for hotel and rental. So its not that bad if you use their discounts!

Re: AAA CC

CYBERSAM — Sat, 11 Apr 2020 20:21:43 GMT

@Mv350 wrote:
I applied and was denied with a 6 year old medical. BOA pulled EX. Nothing surpirsing. I'm INQ and new account heavy.

I've been chasing this card ever since I got AAA membership! I had 0 inquiry this time compare to few, five years ago! They are probably looking at my file with magnifying glass... 🔍👀

Re: AAA CC

Anonymous — Sat, 11 Apr 2020 20:26:26 GMT

@CYBERSAMThat’s good to know. I have not used it for the travel portion or rental. How do you access those benefits? EDIT: so you got this benefit from AAA membership, not from the card?

For everyone's general knowledge: US Bank and AAA‘s joint venture created an entity known as ACG who actually issues the USB version of the card. The only thing that sucks is US bank/Elan takes into account any CLs on this ACG card, so it limits your overall TCL with US Bank/Elan. 🤬

Re: AAA CC

CYBERSAM — Sat, 11 Apr 2020 21:58:27 GMT

@Anonymous wrote:
@CYBERSAMThat’s good to know. I have not used it for the travel portion or rental. How do you access those benefits? EDIT: so you got this benefit from AAA membership, not from the card?

Yes from AAA mermbership site, under travel. Don't have the CC yet : )

Re: AAA CC

CYBERSAM — Sun, 12 Apr 2020 17:33:12 GMT

😱😍😍

Re: AAA CC

AllZero — Sun, 12 Apr 2020 17:45:53 GMT

Congratulations on your approval!

Re: AAA CC

Anonymous — Mon, 13 Apr 2020 02:45:48 GMT

congratulations on your approval!!!!

Re: AAA CC

nuohlac — Mon, 13 Apr 2020 03:03:09 GMT

Congratulations on your approval!!!

Re: AAA CC

CYBERSAM — Tue, 14 Apr 2020 21:03:20 GMT

Recived the AAA Visa sig in the mail 😍

$3600 SL. Going to use it as my main card for awhile till get more CLIs

My 1st CC with BoA after very long time(15yrs+). One of the last cards in the bucket list! ✔️😎