topic Re: BoA Cash Rewards APR Reduction in Credit Cards

BoA Cash Rewards APR Reduction

Anonymous — Wed, 30 Sep 2015 22:42:13 GMT

I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!

Re: BoA Cash Rewards APR Reduction

Anonymous — Wed, 30 Sep 2015 22:42:53 GMT

Great Apr reduction! You did well ...

Re: BoA Cash Rewards APR Reduction

Anonymous — Wed, 30 Sep 2015 22:43:17 GMT

@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!

Now that rocks!!!

Re: BoA Cash Rewards APR Reduction

CreditMagic7 — Wed, 30 Sep 2015 22:47:31 GMT

@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!

Good effort there to contact them. I had 2 BofA cards APR's reduced this summer and it's great!

BofA really likes correspondence and they are ever so accommodating when you treat their credit products well.

Re: BoA Cash Rewards APR Reduction

kdm31091 — Wed, 30 Sep 2015 23:26:08 GMT

One plus to them is the availability of APR reductions. Congrats!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 00:17:44 GMT

How long have you had the card? Were you in a 0% promo?

Congrats!!

Re: BoA Cash Rewards APR Reduction

galahad15 — Thu, 01 Oct 2015 00:54:57 GMT

Congratulations!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:04:57 GMT

Good job!! Enjoy it.

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:08:04 GMT

@Anonymous wrote:
How long have you had the card? Were you in a 0% promo?

Congrats!!

I have had it since August 2014. Yes, I was in a promotional period that recently ended. Thanks!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:09:46 GMT

@Spider15 wrote:
Great Apr reduction! You did well ...

Thank you Spider15!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:10:29 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!
Now that rocks!!!

Thank you Musiclover!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:26:27 GMT

@CreditMagic7 wrote:
@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!
Good effort there to contact them. I had 2 BofA cards APR's reduced this summer and it's great!

BofA really likes correspondence and they are ever so accommodating when you treat their credit products well.

Thanks CM! I agree. Jeanine was extremely helpful. She told me about several different offers available to me. She looked at the spend on my account and explained how I might benefit from other products. Sometime next year I may apply for another CR and/or BBR credit card.

SN: This week I received an offer to open a checking account with them for a $300 bonus. It's a no brainer for me. I know some folks don't like BoA, but they have been good to me. I like them even when they tell me no and they have told me no several times.

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:27:19 GMT

@kdm31091 wrote:
One plus to them is the availability of APR reductions. Congrats!

Thanks kdm!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:28:28 GMT

@galahad15 wrote:
Congratulations!

Thank you Galahad15!

Re: BoA Cash Rewards APR Reduction

Anonymous — Thu, 01 Oct 2015 01:30:01 GMT

@Anonymous wrote:
Good job!! Enjoy it.

Thank you yes! I will!

Re: BoA Cash Rewards APR Reduction

NRB525 — Thu, 01 Oct 2015 04:20:08 GMT

@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!

Congratulations!

I like BofA as well. They did run CLD on my two cards along with Chase and Citi, but BofA never changed other terms on my cards, I still have the 7.9% APR on my BofA AMEX, and 11.24% on the MasterCard. Chase and Citi both closed cards and changed terms in some cases.

Re: BoA Cash Rewards APR Reduction

Anonymous — Fri, 02 Oct 2015 12:26:01 GMT

@NRB525 wrote:
@beautifulblaquepearl wrote:
@I spoke with Jeanine today @ BoA about reducing my APR. APPROVED 16.99% to 13.99%. No hassle, no haggling. I BoA!!!
Congratulations!

I like BofA as well. They did run CLD on my two cards along with Chase and Citi, but BofA never changed other terms on my cards, I still have the 7.9% APR on my BofA AMEX, and 11.24% on the MasterCard. Chase and Citi both closed cards and changed terms in some cases.

Thanks NRB! Have you been able to restore your CL with BoA?

Re: BoA Cash Rewards APR Reduction

Anonymous — Fri, 02 Oct 2015 15:23:59 GMT

Congrats on the APR reduction! I know BoA's CLI's are all HP's...are the APR reductions soft pulls?

Re: BoA Cash Rewards APR Reduction

OmarGB9 — Fri, 02 Oct 2015 22:39:38 GMT

Grats!

Re: BoA Cash Rewards APR Reduction

Anonymous — Sun, 04 Oct 2015 02:26:25 GMT

@Anonymous wrote:
Congrats on the APR reduction! I know BoA's CLI's are all HP's...are the APR reductions soft pulls?

Thanks 8ottaway! My credit report was not pulled to do my APR reduction. It was reduced based on my account history with them.