topic Re: BofA pre-qual? in Credit Cards

BofA pre-qual?

Discover2016 — Wed, 30 Mar 2016 17:10:51 GMT

Is this a valid prequal from Bofa? I am strictly in the garden and I don't plan to apply but it was interesting to see a different type of prequal screen that I haven't seen before.

Re: BofA pre-qual?

ddemari — Wed, 30 Mar 2016 17:18:40 GMT

that looks legit! was it under your special offers tab or did you fill out the check for my offers link?

Re: BofA pre-qual?

Anonymous — Wed, 30 Mar 2016 17:24:45 GMT

Yep, that one is the real deal.

Re: BofA pre-qual?

Discover2016 — Wed, 30 Mar 2016 17:30:05 GMT

It was under the special offers tab. I think this supports the theory that app sprees hurt less after 6 months, since this offer appeared right at the 6 month mark and my scores had a nice healthy jump this month also.

Re: BofA pre-qual?

Anonymous — Wed, 30 Mar 2016 17:33:44 GMT

You're doing better than I am. I've banked with BOA for over 26 years and I never get anything in the special offers tab.

Re: BofA pre-qual?

CreditCuriosity — Wed, 30 Mar 2016 18:57:32 GMT

@Anonymous wrote:
You're doing better than I am. I've banked with BOA for over 26 years and I never get anything in the special offers tab.

This is why I dumped BofA as my bank.. Now that I bank with US Bank most recently prior to Penfed guess what I got approved for a BofA card lol. They aren't a relationship bank IMO for savings/checking etc to CC's

Re: BofA pre-qual?

dbatl14 — Tue, 26 Jul 2016 20:25:43 GMT

Those BofA recommended or customized offers are completely worthless.

I got one of those offers too and it was actually one with a fixed APR and time limit which many said that is a "real deal". So I applied and got denied.

I already have a BofA AmeriCard with them with a CLI of $20,000 but it has a AF, so I thought it was a good deal and since it popped up I thought it was a sure shot and especially since so many stated that it meant good deal.

But I went for it and got the declined. I don't think I would have thought about it until I saw it constantly put in my face when I logged into my account and after research it gave me the confidence to pull the trigger.

So no ANY offer in your account with BofA doesn't mean anything more than, you just maybe fitting some profile but that's it. No sure shot.

Re: BofA pre-qual?

CreditMagic7 — Tue, 26 Jul 2016 20:32:46 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
You're doing better than I am. I've banked with BOA for over 26 years and I never get anything in the special offers tab.
This is why I dumped BofA as my bank.. Now that I bank with US Bank most recently prior to Penfed guess what I got approved for a BofA card lol. They aren't a relationship bank IMO for savings/checking etc to CC's

I can confirm this after having a business account with BofA.

Once i decided to close a business account and switched over instead to having a personal card(s) relationship with them, things have took a much better turn for the better and are light years ahead of anything experienced before.

Re: BofA pre-qual?

Anonymous — Tue, 26 Jul 2016 23:11:29 GMT

The pre-quals on their website are solid. I have been approved for every card I've ever applied for. Love BOA
Had a card since 2000 and NEVER had a problem

Re: BofA pre-qual?

Anonymous — Tue, 26 Jul 2016 23:18:11 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
You're doing better than I am. I've banked with BOA for over 26 years and I never get anything in the special offers tab.
This is why I dumped BofA as my bank.. Now that I bank with US Bank most recently prior to Penfed guess what I got approved for a BofA card lol. They aren't a relationship bank IMO for savings/checking etc to CC's

I finally got fed up enough with them that I closed both my accounts in May and switched to a regional bank. Guess what? I've gotten several pre qual, (real with fixed APR), mailers since then.

Re: BofA pre-qual?

Dahlia77 — Wed, 27 Jul 2016 07:51:40 GMT

I got no prequals on BOA page. Then 2 months later I got invitations for the Americard followed a week later by BOA 123 rewards. Still invitations not prequal but did notice fixed APRs. Logged onto BOA prequals on line and still nothing available to me. Took my invitation # that came in the mail and instant approval so my only conclusion is YMMV.