topic Re: BofA..Is this there way of apologizing? Pre-approved... in Credit Cards

BofA..Is this their way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 15:49:17 GMT

So, I just logged into my online banking 5 minutes ago and in the left hand corner of my account pages I see this:

WTH is this? Is this there way of apologizing for being schmucks? Hehe.

Is this a REAL preapproval? I haven't even clicked off the screen yet. My session will probably time out. I'm afraid to look. LOL

Message Edited by UpUpUp on 07-31-2008 11:49 AM

Re: BofA..Is this there way of apologizing? Pre-approved...

Creditaddict — Thu, 31 Jul 2008 15:42:20 GMT

they are usually good about honoring pre-approvals, I would look and see atleast!

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 15:48:01 GMT

So I clicked it and it brings me right back to their home page and asks me to sign in.

I was already signed in, but I went ahead and did it again and it brings me back to my accounts page with the same preapproved message, but when I clicked it, it brought me back to the homepage and tells me to log in.

Must be that a$$hole playing a hoax on me because I called and complained!

Oh well. I was secretly hoping that maybe I could open it and combine my limits and keep my old history. Do they do that? I do NOT want any new accounts, already got 3 in the last few months (those were the only in the last 2 years, but I aim to purchase a home in 09 and dont' want to do anything else with my credit).

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 15:54:25 GMT

I got that too! When I clicked it, it kicked me out. When I logged in again, the offer was gone and replaced with 1.99% BT promo.

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 16:23:00 GMT

That's so strange. Was yours recently? Or has this been an ongoing issue?

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 16:41:07 GMT

@Anonymous wrote:
That's so strange. Was yours recently? Or has this been an ongoing issue?

I checked my account this morning but didn't pay much attention until I read your post then I went back into my account to click on the banner. I think today was my first time seeing the promo. I usually get the 1.99% BT. I checked the "MY OFFERS" link below the account balances but didn't have that. It did have a Worldpoints Business card offer. I also had a lengthy conversation with the CSR for a CLI recon a few months ago. They were being hard headed so I gave up, however, I was able to convert my Gold card to Worldpoints.

Message Edited by Solarjuju on 07-31-2008 09:41 AM

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 16:42:07 GMT

That's so funny. I converted my goldcard to worldpoints very recently too. Maybe now we are considered valued customers. So, we'll get these offers...even if they don't work!

I log in to my account every day and have never seen that promo before.

Message Edited by UpUpUp on 07-31-2008 12:42 PM

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 16:55:56 GMT

@Anonymous wrote:
Maybe now we are considered valued customers. So, we'll get these offers...even if they don't work!
I log in to my account every day and have never seen that promo before.

Message Edited by UpUpUp on 07-31-2008 12:42 PM

I hope so because I get jealous when so many people receive love from BOA... and here I am trying hard since 2002 with an $800 CL.

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:14:21 GMT

That pre-approved thing is always there on my home page once I sign in. It never works, just redirects you to sign in again. I think Amex hacked into the BofA site and they are checking to see if you check to see if you are pre-approved for another card he he hehehe.

If you want to see if you are really pre-approved for one of their cards, go to the credit card overview page once logged in and there will be a link to see if you have a "pre-approved offer".

Nope, the a$$wipe wasn't playing mind games with you

By the way, I NEVER have a pre-approved offer.

Message Edited by Jubeyy on 07-31-2008 10:14 AM

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:13:00 GMT

i just completed a BT with an CSR over the phone (2.2apr till april) ...increased my limit from 1k to 4.5k..however, when i went to log on, i noticed the banner for "preapprovals" that was never there before...offer to "see what card if for me" bu, then proceeded to navigate me to where i was unclear if this was going to be a HARD PULL.

i just completed the BT and CLI with CSR, he assured me it was a SOFT PULL..i am wondering if this new app ( if i applied) will be hard/soft?

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:19:26 GMT

A 9 month 2.2 and a $3500 hike? Congrats . I think even a hard would be worth that.

No, the "pre-approval offers" just dig around and are soft pulls, but why don't you call and ask them? I mean, you seem to be on the good side with their credit analysts.

Message Edited by Jubeyy on 07-31-2008 10:19 AM

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:45:10 GMT

Jubeyy,

i know kinda strange...especially that my secured card ($400) was converted to 1K last month...but by scores have been goin up and up, however, EX 660 my lowest is what BofA pulls for me..

i will call...thanks

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:52:25 GMT

Jubeyy wrote:
That pre-approved thing is always there on my home page once I sign in. It never works, just redirects you to sign in again. I think Amex hacked into the BofA site and they are checking to see if you check to see if you are pre-approved for another card he he hehehe.

If you want to see if you are really pre-approved for one of their cards, go to the credit card overview page once logged in and there will be a link to see if you have a "pre-approved offer".

Nope, the a$$wipe wasn't playing mind games with you

By the way, I NEVER have a pre-approved offer.

Message Edited by Jubeyy on 07-31-2008 10:14 AM

I am "opted out" so preapproval links don't work for me.

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 17:53:26 GMT

Jubeyy wrote:
...why don't you call and ask them? I mean, you seem to be on the good side with their credit analysts.

Atleast someone is!

Re: BofA..Is this their way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 19:12:29 GMT

Just signed in to my account. Saw the same thing... clicked it and it signed me out... What a tease!!

I was thinking about calling

Re: BofA..Is this their way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 19:13:35 GMT

Call, call! I think my phone number is on their blacklist after the past few days.

Re: BofA..Is this their way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 19:15:24 GMT

Did you try the pre-approval site they have?

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 19:16:33 GMT

yea i actually seen that for the first time today as well! funny.. i clicked it and the same thing..logs me out..figured it was just a stupid ad.

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 19:55:43 GMT

UpUpUp wrote:

I am "opted out" so preapproval links don't work for me.

If you have an existing relationship with them, being opted out doesn't matter. That only prevents business with which you have no relationship with from pre-screening you. FYI BoA also just implemented a new privacy policy, received it in the mail. Might want to check into it.

Re: BofA..Is this there way of apologizing? Pre-approved...

Anonymous — Thu, 31 Jul 2008 20:17:23 GMT

gordonbs wrote:

UpUpUp wrote:

I am "opted out" so preapproval links don't work for me.
If you have an existing relationship with them, being opted out doesn't matter. That only prevents business with which you have no relationship with from pre-screening you. FYI BoA also just implemented a new privacy policy, received it in the mail. Might want to check into it.

Normally, I'd agree with you because they have access to your reports if there is an existing relationship, but here's why I think it does matter in this case...

I have had an existing relationship with them for a few years. I had been opted out the entire time I checked several times for the preapproved offers and nothing ever came up. I 'opted in' for about a week (but later opted back out after a junk debt buyer came knockin') and during this period was the only time I ever got the preapproved offers for BofA. After I opted back out, they went away again.

Why so vague on the new privacy policy? Please spill the beans. What do we have to explicitly opt out with them too now?