topic Re: Bank of america CC question and Citi Pre approval question in Credit Cards

Bank of america CC question and Citi Pre approval question

workingprogress — Tue, 17 May 2016 07:35:19 GMT

Hello everyone..I been a member with bofa for 3 years now.I have just the plain visa. I'm thinking about apping for thier cashback card. I read on a google blog that if your a card holder and you apply for another card and get denied that it would be a SP. Does anyone know if this is true or not ? I tried searching here but didnt see nothing about it. I'm in need of a card that will offer 0% apr for a while so i can do a balance transfer.

Second question. Is Citi pre approvals solid ? Their site says i'm pre approved for about every card they have. My scores are around 700 and my aaoa is about 4 years. No credit inquires. Some old student loan lates from 4 years ago. $5000 balance on discover. I thought I might try to app for one of their carrds but they turned me down when i first started and would not reckon with me. I would hate to take a hard pull for a denial.

Re: Bank of america CC question and Citi Pre approval question

creditguy — Tue, 17 May 2016 08:48:54 GMT

I somehow doubt BofA does SP's for additional card applications seeing as how they HP for CLI's, I could be wrong however, I just have never heard of them doing that. Amex on the other hand does that. As far as Citi, they usually have pretty solid pre qual offers but of course a denial is still possible. As long as you have never burned Citi it's worth a shot, Good Luck.

Re: Bank of america CC question and Citi Pre approval question

ScoreOrBeScored — Tue, 17 May 2016 09:20:15 GMT

Boa will HP you on EX for CC app.. Log into you online account and look under offers and see if you

have any CC preapproval offers. I have 3 on my account.msomcheck there first.

Yes citi preapprovals are solid.

What at is the limit on your discover card ? Is that your only balance?

For or us to better assist you and give you advice, you will need to paint us a picture of profile.

list your cards with limit and balance

a 3 of your Fico scores

im assuming if you have "0" inquiries, then no new accounts in the last 24. Months.

also go check out chase pre qualifier ...its solid like Citi's !!!!

Re: Bank of america CC question and Citi Pre approval question

Anonymous — Tue, 17 May 2016 10:55:33 GMT

@ScoreOrBeScored wrote:
Boa will HP you on EX for CC app.. Log into you online account and look under offers and see if you
have any CC preapproval offers. I have 3 on my account.msomcheck there first.

Yes citi preapprovals are solid.

What at is the limit on your discover card ? Is that your only balance?

For or us to better assist you and give you advice, you will need to paint us a picture of profile.
list your cards with limit and balance
a 3 of your Fico scores

im assuming if you have "0" inquiries, then no new accounts in the last 24. Months.

also go check out chase pre qualifier ...its solid like Citi's !!!!

I agree.

Re: Bank of america CC question and Citi Pre approval question

kdm31091 — Tue, 17 May 2016 11:05:26 GMT

Personally I wouldn't count on them only doing a SP if you are declined. I saw the blog where they mentioned that, but nobody else on any other site has ever backed it up. Bottom line, expect a HP either way, and be pleasantly surprised if you don't get one.

The card itself, it's not a bad card for 0% and some cash back. Not the best cash back card you can find but if you like BOA that may be a consideration. I bank with them so I find it nice to have things in one place and I use the card often.

Citi's preapprovals are generally reliable, but nothing is guaranteed. As you noted, they don't really recon much. If you are declined, most of the time, that's how it stays.

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Tue, 17 May 2016 16:41:27 GMT

ScoreOrBeScored:........ I have 5 CC's. No new account in about 2 and half years and no credit inquires. All though just got a auto loan that hasnt reported yet from DCU but that was done on soft pull. My discover CL is $13000 with $5000 balance. Its high because I have a 0% apr that ends in July. So looking for new card to put that balance on. Next i have a capitalone quicksilverone with $4000 CL as of today. I just got a $2000 increase last night to make it $4000. Next is Barclay rewards $3500.Next is dcu visa $5000. Next is my worst limit of all. Bank of america plain visa with a starting $500 limit. They have never gave me a increase and I have never asked because I know it would be a HP. I figured apping for a new card would be HP also but read a blog last night that said it was like American express and was a SP for current card holders if deinied for new card. I probably wont messw with BofA just cause how they have never gave me a increase on my VISA. It was the second card I ever had so its helped build my credit if nothing else. Chase sends me offers every week in the mail but their site says no offers so not sure whats up with that. thanks!

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Tue, 17 May 2016 21:17:27 GMT

For got to add that my credit scores are 700-710 for exp and tu and 690 for eq

Re: Bank of america CC question and Citi Pre approval question

bada_bing — Tue, 17 May 2016 21:34:03 GMT

BoA is fairly HP happy and does double EX-EQ pulls quite a bit, for both CLI

and for new apps. Don't be surprised if they double pull you.

Re: Bank of america CC question and Citi Pre approval question

Hokies2379 — Tue, 17 May 2016 21:38:07 GMT

@creditguy wrote:
I somehow doubt BofA does SP's for additional card applications seeing as how they HP for CLI's, I could be wrong however, I just have never heard of them doing that. Amex on the other hand does that. As far as Citi, they usually have pretty solid pre qual offers but of course a denial is still possible. As long as you have never burned Citi it's worth a shot, Good Luck.

Not for everyone. That amex thing is far from foolproof. Taken two HPs since I got a card with them and still only have the original card.

Re: Bank of america CC question and Citi Pre approval question

ScoreOrBeScored — Tue, 17 May 2016 21:45:13 GMT

Did you ever check you online boa account for pre-approval on a card under the offer tab ?

Join Penfed and after you join , app the Promise card.

Then head over to chase site and do their pre-qualifier and get a freedom card.

Then go to Citi and grab a double cash. (Click my name and go to my thread from last week that shows you how to get the Double Cash for 0% for 15 months )
And there you have it !!!

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Tue, 17 May 2016 23:02:32 GMT

@ScoreOrBeScored wrote:
Did you ever check you online boa account for pre-approval on a card under the offer tab ?

Join Penfed and after you join , app the Promise card.

Then head over to chase site and do their pre-qualifier and get a freedom card.

Then go to Citi and grab a double cash. (Click my name and go to my thread from last week that shows you how to get the Double Cash for 0% for 15 months )
And there you have it !!!

Thanks for the reply. I only plan to app for one card. Dont want to crash my aaoa and credit score to much. 3 new cards would probably drop it a lot wouldnt it ? Now with pen fed can anyone join them and should you be a member before applying for a credit card ?

Re: Bank of america CC question and Citi Pre approval question

ScoreOrBeScored — Tue, 17 May 2016 23:44:04 GMT

Yes anyone can join. Just a small donation gets you membership. Join then app the products you would like. And no those few cards want tank your AAOA like THAT ...I would just request a credit li.it increase on my current card. Ask for $20k. And also ask for a APR reduction thru csr and also ask about upgrading you card.

I would definitely go after everything I listed in previous message. But of course your choice .

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Wed, 18 May 2016 00:12:18 GMT

@ScoreOrBeScored wrote:
Yes anyone can join. Just a small donation gets you membership. Join then app the products you would like. And no those few cards want tank your AAOA like THAT ...I would just request a credit li.it increase on my current card. Ask for $20k. And also ask for a APR reduction thru csr and also ask about upgrading you card.

I would definitely go after everything I listed in previous message. But of course your choice .

I just went to Bank Of America and checked and i dont have any offers showing so I did the pre qualify thing and they recommend the cash rewards card. Didnt say nothing about prequalified though. Just said recommend. Is that how they word their pre qualify offers on their site ?

Not sure if I want to mess with bank of america though because I have been with them 3 years all most and not got a single credit increase. They are the worst CC I have right now. Is PenFed membership quick process ? I may give them a shot. The one i'm leaning teh most toward is citi since they say i'm pre qualified for all the cards i checked out. Wonder they if they would give me a decent limit of at least $5000 ?

Re: Bank of america CC question and Citi Pre approval question

ScoreOrBeScored — Wed, 18 May 2016 00:22:51 GMT

BOA pre-qualified thing is for entertainment purposes only. Not solid. Yes penfed will take you 15 mins from start to finish and is very simple. I think your approvals will be extra nice !!! Look over penfed CC and see which is good for you and the same with citi.... if your wanting citi double cash. Read my thread about it from last week. Click my name and find it. " citi double cash 0% 15 months is still alive "

I say give things a shot and let us all kinds of how it goes ..

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Wed, 18 May 2016 00:24:04 GMT

Another card I was thinking about is the Amex everyday card but their site shows nothing for me. Which chase does also but they send me offers in the mail all the time.

Do you all think I would have a good chance of getting the Amex every days cash back card ? Creditchecktotal shows my EXP as 712. I think that is fico 08 they provide. Any thoughts ?

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Wed, 18 May 2016 00:25:35 GMT

You replied right when i was making another post. Please check that pist also. Thanks for teh advice man..I will go give penfed a look and try and decide on which I want to go with.

Re: Bank of america CC question and Citi Pre approval question

ScoreOrBeScored — Wed, 18 May 2016 00:34:32 GMT

Check your inbox @ Workinprogress

Re: Bank of america CC question and Citi Pre approval question

Namaste7 — Wed, 18 May 2016 00:53:23 GMT

BofA will HP if you log in to your account too many times . J/K

The only data points for SPs from BofA is for the secured CCs that are reviewed for graduation to an unsecured product.

Re: Bank of america CC question and Citi Pre approval question

workingprogress — Wed, 18 May 2016 02:08:55 GMT

I just pull the trigger on the city simplicity card and was instant approved for $2400. Not the limit I was hoping for. Do you think they wil reckon on that limit ?

Re: Bank of america CC question and Citi Pre approval question

Anonymous — Wed, 18 May 2016 06:51:31 GMT

Yeah, I'm with you on that one. You cannot get a cli without a hp. I have 2 of them.