topic Re: BoA - Solid offer or generic? in Credit Cards

BoA - Solid offer or generic?

Anonymous — Sun, 31 Jan 2016 15:12:32 GMT

I saw an offer when I logged into Bank of America today, upon clicking on it this shows up.

Is this thing a generic "whatever we don't care" offer or a true customized/legit offer?

Thanks!

Re: BoA - Solid offer or generic?

Anonymous — Sun, 31 Jan 2016 15:17:29 GMT

@Anonymous wrote:
I saw an offer when I logged into Bank of America today, upon clicking on it this shows up.

Is this thing a generic "whatever we don't care" offer or a true customized/legit offer?
Thanks!

They are giving you a solid APR which means that you qualify for this offer.... it is solid offer unless your profile changed in the last 30 days !

Re: BoA - Solid offer or generic?

Anonymous — Sun, 31 Jan 2016 15:22:07 GMT

Looks like a solid offer. If this cards fits your spending and rewards are beneficial to you, then go for it. Good luck.

Re: BoA - Solid offer or generic?

Anonymous — Sun, 31 Jan 2016 16:31:59 GMT

Definitely legit. Not only because of APR but because of $150 bonus. The norm is $100, so by them giving you $150, it's a definite solid offer.

Re: BoA - Solid offer or generic?

Bowzer — Sun, 31 Jan 2016 16:50:16 GMT

Looks like a solid offer, keep us posted if you press the go button!

Re: BoA - Solid offer or generic?

xXIDaShizIXx — Sun, 31 Jan 2016 18:58:32 GMT

Solid offer! Take it!

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 12:02:45 GMT

@xXIDaShizIXx wrote:
Solid offer! Take it!

I pulled the trigger, I got the following message:

We're carefully reviewing your application and need to check a few more things. We appreciate your patience.

Declined?

Re: BoA - Solid offer or generic?

jeffery581 — Mon, 01 Feb 2016 12:32:26 GMT

I did too, got the same pre-quailify screen . it is NOT a solid offer.

Re: BoA - Solid offer or generic?

Bowzer — Mon, 01 Feb 2016 12:49:51 GMT

@Anonymous wrote:
@xXIDaShizIXx wrote:
Solid offer! Take it!
I pulled the trigger, I got the following message:

We're carefully reviewing your application and need to check a few more things. We appreciate your patience.

Declined?

Call and check status this morning, if they say it was a decline, ask to have them reconsider. Dont give up just yet, BofA is great with recons

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 13:18:53 GMT

Good luck with it, definitely give them a call! I was able to successfully recon my BofA Bank Americard!

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 15:30:50 GMT

@Anonymous wrote:
Good luck with it, definitely give them a call! I was able to successfully recon my BofA Bank Americard!

After breakfast I got an email from Bank of America with subject "Your Credit Card Application Decision" ..

It turns out that I was approved. In the email it said,

"We're happy to let you know that your credit card application has been approved.

In the next 7-10 business days, you'll receive the following packages in the mail with important information about your new credit card."

Now I have two overkill cards instead of one. This made my day, no, week.

Thanks again for all the help. I really appreciate it! You all have a fantastic day!

UPDATE: I just found out I got approved for a whopping 500 dollar limit lmao

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 15:51:08 GMT

Congrats @tacoguy

I have a similar offer, but for the Travel Rewards card - not sure if I should apply - it would come in handy for my vacation in 2 months.

Does anyone know if CL can be combined on BOA cards? (Sorry, don't mean to hijack your thread @tacoguy)

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 16:48:27 GMT

@Anonymous wrote:
@Congrats @Anonymous

I have a similar offer, but for the Travel Rewards card - not sure if I should apply - it would come in handy for my vacation in 2 months.

Does anyone know if CL can be combined on BOA cards? (@Anonymous, don't mean to hijack your thread @Anonymous)

You can combine CL between BAC cards (up to entire limits), but always assume a hard pull per request on your TU report regardless of what the customer service inform you.

No worries good day

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 17:12:46 GMT

Derp.

I applied and was denied

Re: BoA - Solid offer or generic?

Bowzer — Mon, 01 Feb 2016 17:14:53 GMT

@Anonymous wrote:
Derp.

I applied and was denied

Call right now and recon!

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 17:23:15 GMT

@Bowzer wrote:
@Anonymous wrote:
Derp.

I applied and was denied
Call right now and recon!

Called Sr Credit Analyst - denied recon as well, she was extremely polite about it.

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 18:57:44 GMT

@Anonymous wrote:
@Bowzer wrote:
@Anonymous wrote:
Derp.

I applied and was denied
Call right now and recon!
Called Sr Credit Analyst - denied recon as well, she was extremely polite about it.

Did she again cite "we cannot extend you any more credit" as a reason?

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 19:00:33 GMT

@Anonymous wrote:
@Anonymous wrote:
@Bowzer wrote:
@Anonymous wrote:
Derp.

I applied and was denied
Call right now and recon!
Called Sr Credit Analyst - denied recon as well, she was extremely polite about it.
Did she again cite "we cannot extend you any more credit" as a reason?

Nope; when I called she said the initial denial reason was that my credit history hasn't been established long enough. I asked her to reconsider, she asked a few questions, put me on hold and came back and said she would have to "support the intial denial reason, not enough established credit history".

Re: BoA - Solid offer or generic?

Anonymous — Mon, 01 Feb 2016 19:22:21 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Bowzer wrote:
@Anonymous wrote:
Derp.

I applied and was denied
Call right now and recon!
Called Sr Credit Analyst - denied recon as well, she was extremely polite about it.
Did she again cite "we cannot extend you any more credit" as a reason?
Nope; when I called she said the initial denial reason was that my credit history hasn't been established long enough. I asked her to reconsider, she asked a few questions, put me on hold and came back and said she would have to "support the intial denial reason, not enough established credit history".

Okay - sorry to hear that.

It's certainly frastrating to get a denial especially when they have pre-qualified you ..

Re: BoA - Solid offer or generic?

bch238 — Mon, 01 Feb 2016 20:59:46 GMT

BoA seems conservative in all things. Unless one is a Gold, Platinum, or Platinum Honors Preferred customer, I don't really think their cards are very attractive.