topic Re: Normal for a BOA call with no use? in Credit Cards

Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 01:40:38 GMT

I want to say I have had the card for almost two months

And I have not touched it (zero use)

Got a call from them offering to explain the features/ how to use the card... umm ok

I said I did not have time for anything like that.

She said she would call back another day to go over the card and hung up

If I do not use the card will they close it and is it a good idea to use the card? (I have been using only my AMEX and Chase cards)

Re: Normal for a BOA call with no use?

CountryLivin — Thu, 14 Jul 2016 01:52:27 GMT

Eventually with no use, they will close it....but it would still be longer then 2 months. I would just buy a pack of gum at the gas station every few months and that will take care of that.

Re: Normal for a BOA call with no use?

GeorgiaBulldog — Thu, 14 Jul 2016 03:46:44 GMT

Yeah, they do courtesy calls even with use a good while after the approval. It's kind of strange, but I guess they want to make sure people know what benefits their cards have.

Re: Normal for a BOA call with no use?

creditguy — Thu, 14 Jul 2016 04:03:02 GMT

They probably thinks it's odd when a person applies for a credit card and doesn't use it. If you worry about a card being closed because of non use, there's a simple solution; use it.

Re: Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 07:50:52 GMT

I don't recall getting a call from BofA, but I have had other banks call to check up on me. US Bank called to check on me (didn't even offer any products, just asked if there was anything they could do) after I tried out the pre-qualify site. Invited me to stop in if I have any questions or need any assistance (thinking of going in to see if I can FINALLY get a CLI on any of my US Bank cards)

It's just good customer service, something so rare nowadays that, when we see it, we're shocked.

Re: Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 08:02:47 GMT

Yes, that happened to me when I received my BB card from Bank of America. I really didn't have time to talk, but thought it was a good thing that they called.

Re: Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 11:50:31 GMT

I received a call after I got BOA cash rewards. I didn't mind it. The lady was nice and explained a few features. Gave me a chance to ask a couple questions without having to call and be on hold.

Yes. Many issuers can close your card due to inactivty. My NFL extra will close if I have 6 statements cut with no activity, so netflix autopay goes to that card every month.

Re: Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 11:56:32 GMT

Must be random. I just closed my BOA Visa yesterday and that was after 8 consecutive months of zero activity on the card (never got a phone call). I used it a decent amount but nothing crazy heavy.

Re: Normal for a BOA call with no use?

CreditCuriosity — Thu, 14 Jul 2016 12:43:48 GMT

Got the call as well after a few weeks of having the card. Just a follow-up thing is all, nothing more.

Re: Normal for a BOA call with no use?

Anonymous — Thu, 14 Jul 2016 13:04:22 GMT

Weird. Haven't used mine in like 2 years and no call/no close lol

Re: Normal for a BOA call with no use?

AverageJoesCredit — Thu, 14 Jul 2016 17:45:57 GMT

Ditto CC'S post. I got a call from a nice Boa rep after recieving my BBR card. Havent heard anything since but it was a nice gesture!

Re: Normal for a BOA call with no use?

DantGwyrdd — Thu, 14 Jul 2016 19:55:17 GMT

Yeah I remember getting a call from BofA years ago soon after I got a card with them. I'd store it under some sort of follow up marketing -- they asked me if I know about the features of the card, why I applied for that particular card, etc.

Re: Normal for a BOA call with no use?

Dahlia77 — Thu, 14 Jul 2016 20:15:19 GMT

@Anonymous wrote:
I want to say I have had the card for almost two months
And I have not touched it (zero use)
Got a call from them offering to explain the features/ how to use the card... umm ok
I said I did not have time for anything like that.
She said she would call back another day to go over the card and hung up
If I do not use the card will they close it and is it a good idea to use the card? (I have been using only my AMEX and Chase cards)

I got a call that's sounds alot like the same only mine was 3 weeks after receiving and activating. Had not used the card yet either. Basically sounds like the same exact convo. Hadn't used the card yet as I was putting heavy usage that month on another card for travel miles. You'll be fine as long as you put something on there, anything. And no, they wouldn't close it so prematurely. Takes a lot longer than that.

Re: Normal for a BOA call with no use?

Anonymous — Fri, 15 Jul 2016 02:42:29 GMT

You just 'lucked out' they've got a gazillion accounts and a tiny % of ppl are gonna get CSR 'welcome' type calls...

To gauge understanding of 'who'' their clients are

What they want...yada, yada, yada

Oh and yeah would you need ANYTHING else....companies (as they should) want clients to be deeper invested in the relationship,

if they can and getting a 2nd or 3rd product in a customer's hand turns him/her into a CLIENT vs just a card holder per se.....

Small banks/CU's b/c of their size obviously have a better shot at getting this done....good for BoA, for at least going thru the motions...

Re: Normal for a BOA call with no use?

RonM21 — Fri, 15 Jul 2016 21:45:24 GMT

I've also had that happen with newer cards. As others said, it can be courtesy or to get you to use it. No big deal, unless you never use it.