topic Re: Is this an actual BOA pre-qual in Credit Card Applications

Is this an actual BOA pre-qual

Anonymous — Thu, 19 Feb 2015 18:29:08 GMT

I'm thinking that no, it isn't, since it doesn't have a specific interest rate listed. Problem is that I think before when I checked it would come back with something like "we couldn't find any offers, but we think you might like this." Below this one it also says "Here are some more customized offers", and lists three more cards.

Re: Is this an actual BOA pre-qual

kdm31091 — Thu, 19 Feb 2015 18:31:34 GMT

IMO no, that's just a generic "recommendation" from them

Re: Is this an actual BOA pre-qual

Anonymous — Thu, 19 Feb 2015 18:49:37 GMT

Nope

Re: Is this an actual BOA pre-qual

Anonymous — Thu, 19 Feb 2015 18:49:57 GMT

If you put random info you'll get the same recommendations.

Re: Is this an actual BOA pre-qual

dobirdsmommy — Thu, 19 Feb 2015 19:09:53 GMT

@Anonymous wrote:
If you put random info you'll get the same recommendations.

yeah my cat Bruce Wayne who makes 10,000 a year also got a pre qualified offer from Discover too. If it says we recommend ... Nope dont bite

meanwhile BOA he didnt get anything; but they think he will like the BOA 123 card

Re: Is this an actual BOA pre-qual

Anonymous — Thu, 19 Feb 2015 19:16:24 GMT

I just tried it with a bunch of fake information and got exactly the same result.

Re: Is this an actual BOA pre-qual

kdm31091 — Thu, 19 Feb 2015 19:24:55 GMT

Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

Re: Is this an actual BOA pre-qual

Anonymous — Thu, 19 Feb 2015 19:27:31 GMT

@kdm31091 wrote:
Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

I am only interested in Fidelity 2%, BBR (Several if possible), and Alaska Airlines siggy from BoA, personally.

Re: Is this an actual BOA pre-qual

dobirdsmommy — Thu, 19 Feb 2015 19:50:50 GMT

When I had Fleet before BOA bought them out. I didnt care for them either. And when they wouldnt even give me a secured card I basically blacklisted them from my wallet

Re: Is this an actual BOA pre-qual

joltdude — Thu, 19 Feb 2015 20:27:27 GMT

Im pretty sure if its a true prequal offer it has to have a notice similar to the ones below...

You can choose to stop receiving "prescreened" offers of credit by calling toll-free 1.888.567.8688. For more information about prescreened offers, please see the PRESCREEN & OPT-OUT NOTICE in the accompanying Rates and Fees.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPT-OUT. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Corporation, Attn: Marketing Opt Out, P.O. Box 97328, Jackson, MS 39288-7328.

Re: Is this an actual BOA pre-qual

Anonymous — Fri, 20 Feb 2015 00:03:39 GMT

@kdm31091 wrote:
Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

I think 123 has its place, in particular that they will occasionally counter with the partially secured if you don't quite qualify AND BofA will add 123 to their secured card - so it can give a rewards card to rebuilders and people new to credit where many other banks won't (with the exception of Cap One in some cases - and depending on spending habits 123 beats QS in some cases).

Yeah, there are other cards that beat the pants off of it but for the people I'm talking about, they don't qualify for those cards. If you're rebuilding or new to credit, it's nice to be able to pay your annual fee with rewards.

Just my 2 cents on the card.

Re: Is this an actual BOA pre-qual

Anonymous — Fri, 20 Feb 2015 00:36:35 GMT

i would say no . because everytime i log out of my account it says im pre qual for another card.. travel rewards.

Re: Is this an actual BOA pre-qual

newhis — Fri, 20 Feb 2015 04:59:34 GMT

Anyone have Bankamerideals with the cash rewards 123? I get those deals buy my DW do not. Some are good at 5% and other up to 15% cash back, burgers, italian, pizza, autozone, starbucks, sears, kmart, car wash, sports. And I think that is in top of the 1%.

Also an extra 10% if you put the money on BoA account, so the card is 1.1, 2.2 & 3.3%

It is not the best card out there, but for people building credit is great. Some people even deposit 5K to it to have a higher limit card better than the starting toy limits of 0.5 & 1K

Re: Is this an actual BOA pre-qual

Anonymous — Fri, 20 Feb 2015 17:37:18 GMT

Anyone tried this? For months I always got their "default" offers and now this. I'm guessing they're just changed their pre-qual to be more like Discover and get more people applying...

They still pull TU, don't they?

Re: Is this an actual BOA pre-qual

MovinOnUp2014 — Sat, 21 Feb 2015 23:37:27 GMT

@joltdude wrote:
Im pretty sure if its a true prequal offer it has to have a notice similar to the ones below...

You can choose to stop receiving "prescreened" offers of credit by calling toll-free 1.888.567.8688. For more information about prescreened offers, please see the PRESCREEN & OPT-OUT NOTICE in the accompanying Rates and Fees.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPT-OUT. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Corporation, Attn: Marketing Opt Out, P.O. Box 97328, Jackson, MS 39288-7328.

Re: Is this an actual BOA pre-qual

bigblue7722 — Sun, 22 Feb 2015 02:05:21 GMT

@kdm31091 wrote:
Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

It does suck. When i had my secured card with them they just wanted to HP to unsecure it, I told them no way i have a sallie mae card and its a million times better then your P.O.S card.... I still use BOA for my main checking account just to pay all my other credit cards out of spite.

Re: Is this an actual BOA pre-qual

DaveInAZ — Sun, 22 Feb 2015 21:04:34 GMT

@Anonymous wrote:
I just tried it with a bunch of fake information and got exactly the same result.

Yeah, same here. I'm thinking of apping for the Fidelity Amex as I move some IRA $$$ to Fidelity. When I saw the Fidelity Amex is issued by FIA card sevices (BoA), I thought I'd try the BoA pre-qual to see if they've gotten over my 2010 BK7. Got excited by the offer of $100 cash back for spending $500 within 90 days, but then did a search here & found this thread. I tried the pre-qual again with the name Joe Blow, my address w/wrong street # & my birthdate & last 4 social - got exactly the same offer. Looks like they're trying to out do Discover. Pass