topic Re: BankAmericard Cash Rewards No longer aff. w/ HRC in Credit Cards

BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 17:03:48 GMT

I'm in a bit of a pickle, this card is my second oldest (Summer 2013). My oldest being a Citi (March 2013). Recently they made a comprose with HB 3 that HRC didn't agree with, so HRC rejected Bofa donation. I don't know if I should cancel the card or hold on to it for hope of a reconcilation with HRC.

I don't really like Bank of America, their website sucks, their emailed bills suck (they never mention how much is due. I always have to log in and check manually)

The rewards aren't all that great I have a citi double, so really only 3% for gas is beneficial to me.

My fico has been around 750-770 for past few years. I want to buy a house within the next 3-5 years.

Thank you

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 17:27:23 GMT

I would imagine it would eventually convert to a regular cash rewards.

It's up to you whether to close or not. There isn't an AF, so it's up to you.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 17:48:29 GMT

@Anonymous wrote:
I'm in a bit of a pickle, this card is my second oldest (Summer 2013). My oldest being a Citi (March 2013). Recently they made a comprose with HB 3 that HRC didn't agree with, so HRC rejected Bofa donation. I don't know if I should cancel the card or hold on to it for hope of a reconcilation with HRC.

I don't really like Bank of America, their website sucks, their emailed bills suck (they never mention how much is due. I always have to log in and check manually)

The rewards aren't all that great I have a citi double, so really only 3% for gas is beneficial to me.

My fico has been around 750-770 for past few years. I want to buy a house within the next 3-5 years.

Thank you

I have no idea what the bolded part of your post is about. Also Bank of America's website is pretty awesome. And so is their mobile applciation..

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 18:15:36 GMT

As much as I used to tell myself my BOA cards arent that great, I find myself constantly using it for gas ( I drive a lot) and getting 3.75% cashback on it. Just recenty I had to get a bunch of stuff at Walmart and it codes as groceries for me so I got 2.5% cash back at walmart. I try to use my other cards more but I keep coming back to my BofA cash rewards because it keeps becoming useful for me as much as I think it might not be.

I find their website not bad at all, the site seems organized to me and I always view my rewards and it tells you what qualifed for the bonus etc.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 20:55:13 GMT

@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle, this card is my second oldest (Summer 2013). My oldest being a Citi (March 2013). Recently they made a comprose with HB 3 that HRC didn't agree with, so HRC rejected Bofa donation. I don't know if I should cancel the card or hold on to it for hope of a reconcilation with HRC.

I don't really like Bank of America, their website sucks, their emailed bills suck (they never mention how much is due. I always have to log in and check manually)

The rewards aren't all that great I have a citi double, so really only 3% for gas is beneficial to me.

My fico has been around 750-770 for past few years. I want to buy a house within the next 3-5 years.

Thank you

I have no idea what the bolded part of your post is about. Also Bank of America's website is pretty awesome. And so is their mobile applciation..

In North Carolina you may have heard about House Bill 2 that essentially denied transpeople the right to use the restroom of the gender they present/identify as rather than the one they were born (assigned at birth) as (hopefully that was politically correct enough-I am not completely up on proper terms). HRC (that is the Human Rights Campaign-you may have seen people with an equal sign bumper sticker-thats them) claimed that BofA participated in getting House Bill 2's replacement law, HB142 set into motion that will allow NC to purportedly extend discrimination against LGBTQ people until 2021. As such, HRC rejected a $25K donation from BofA as well as planned to reject another $300K donation as a result of this. So of course the co-branded HRC Cash Rewards Visa is no longer being issued to new cardholders. There is hope that the relationship between BofA and HRC will continue but as someone else mentioned, if the partnership is completely ended, I am sure the HRC Visa will be replaced with the standard, BofA red Cash Reward card.

OP: I usually only recommend the BofA Cash Reward card to those that have a BofA Savings or Checking account for the extra 10% redemption bonus. Without that, the card is easily beaten by other cards. I use mine for gas and groceries (when Discover and Chase aren't offering a bonus quarter) and NFCU Cash Rewards for everything else. To echo others' statements above, I am actually very happy with BofA and I find their mobile app very user-friendly.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

wasCB14 — Wed, 12 Jul 2017 22:06:21 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I'm in a bit of a pickle, this card is my second oldest (Summer 2013). My oldest being a Citi (March 2013). Recently they made a comprose with HB 3 that HRC didn't agree with, so HRC rejected Bofa donation. I don't know if I should cancel the card or hold on to it for hope of a reconcilation with HRC.

I don't really like Bank of America, their website sucks, their emailed bills suck (they never mention how much is due. I always have to log in and check manually)

The rewards aren't all that great I have a citi double, so really only 3% for gas is beneficial to me.

My fico has been around 750-770 for past few years. I want to buy a house within the next 3-5 years.

Thank you

I have no idea what the bolded part of your post is about. Also Bank of America's website is pretty awesome. And so is their mobile applciation..
In North Carolina you may have heard about House Bill 2 that essentially denied transpeople the right to use the restroom of the gender they present/identify as rather than the one they were born (assigned at birth) as (hopefully that was politically correct enough-I am not completely up on proper terms). HRC (that is the Human Rights Campaign-you may have seen people with an equal sign bumper sticker-thats them) claimed that BofA participated in getting House Bill 2's replacement law, HB142 set into motion that will allow NC to purportedly extend discrimination against LGBTQ people until 2021. As such, HRC rejected a $25K donation from BofA as well as planned to reject another $300K donation as a result of this. So of course the co-branded HRC Cash Rewards Visa is no longer being issued to new cardholders. There is hope that the relationship between BofA and HRC will continue but as someone else mentioned, if the partnership is completely ended, I am sure the HRC Visa will be replaced with the standard, BofA red Cash Reward card.

OP: I usually only recommend the BofA Cash Reward card to those that have a BofA Savings or Checking account for the extra 10% redemption bonus. Without that, the card is easily beaten by other cards. I use mine for gas and groceries (when Discover and Chase aren't offering a bonus quarter) and NFCU Cash Rewards for everything else.

And here I was wondering if Hillary had some ~~problem with~~ politcal objection to a visa (the residency/work permit, not the card network) program.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 21:22:54 GMT

Now that wasCB14 has posted that (making it on the internet and therefore true) we will doubtless hear "Clinton isn't even a citizen" on the web and elsewhere

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

wasCB14 — Wed, 12 Jul 2017 22:03:15 GMT

@Anonymous wrote:
Now that wasCB14 has posted that (making it on the internet and therefore true) we will doubtless hear "Clinton isn't even a citizen" on the web and elsewhere

Oy vey...I only meant to say she had political objections to the policy...but you're right, my words could be interpreted differently.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Wed, 12 Jul 2017 22:25:45 GMT

Just a reminder to stay away from political discussion even if it is meant to be humorous. Thank you all for your cooperation.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Thu, 13 Jul 2017 00:18:51 GMT

Oops, if I close it does it mean my rewards go unredeemed? Its only about 11 bucks.

I didn't mean to open a can of political worms, I really was just curious about whether or not you guys would close it. And no I do not have a bank of america checking or savings account.

I guess IF I did keep it, it would be my to go GAS card, at 3% its the best one I have. I started with 11 CC and have wittled it down to 7 CC.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Thu, 13 Jul 2017 00:34:30 GMT

@Anonymous wrote:
Oops, if I close it does it mean my rewards go unredeemed? Its only about 11 bucks.

I didn't mean to open a can of political worms, I really was just curious about whether or not you guys would close it. And no I do not have a bank of america checking or savings account.

I guess IF I did keep it, it would be my to go GAS card, at 3% its the best one I have. I started with 11 CC and have wittled it down to 7 CC.

Yes, most likely if you close the account without first redeeming your reward, it will be forfeited.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Thu, 13 Jul 2017 01:34:53 GMT

@Anonymous wrote:
Oops, if I close it does it mean my rewards go unredeemed? Its only about 11 bucks.

I didn't mean to open a can of political worms, I really was just curious about whether or not you guys would close it. And no I do not have a bank of america checking or savings account.

I guess IF I did keep it, it would be my to go GAS card, at 3% its the best one I have. I started with 11 CC and have wittled it down to 7 CC.

If you didn't want to open up a political can of worms why did you make your original post?

Bank of America Cash Back is better than Citi because they give you 2.2 back on groceries and 3.3 percent back on Gas if you have an account with them. A friend of mine has a brokerage account with them and is getting 3 percent on groceries and 4.5 percent on gas.

Also Bank of America has very low redemption level. For a couple of months I combined it with my NCFU card that gave back 3 percent on restaurants. Then I started sign up bonus chasing. If I go back to just looking for cash rewards I would keep a Bank of America card in my rotation. Bank of America savings rate is a joke though and I wouldn't use it for my primary savings account but they are great for checking.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Thu, 13 Jul 2017 04:24:14 GMT

@Anonymous wrote:
Bank of America savings rate is a joke though and I wouldn't use it for my primary savings account but they are great for checking.

Just wondering why they are great for checking. You can now get free internet checking accounts that pay about 1% and reimburse for all ATM fees. From what I remember,BoA checking was pretty featureless, and always willing to impose fees unless you kept a certain balance. Have they improved?

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Thu, 13 Jul 2017 07:37:32 GMT

@Anonymous wrote:
@Anonymous wrote:
Bank of America savings rate is a joke though and I wouldn't use it for my primary savings account but they are great for checking.
Just wondering why they are great for checking. You can now get free internet checking accounts that pay about 1% and reimburse for all ATM fees. From what I remember,BoA checking was pretty featureless, and always willing to impose fees unless you kept a certain balance. Have they improved?

From what I understand they still require you to meet one of these requirements (1) keep a minimum daily balance of $1500, (2) qualifying direct deposit of $250 or more, or (3) be a student under the age of 24 to avoid the monthly fee.

Right now they are offering a $100 sign up bonus if you open an account and meet certain requirements. Some folks have been lucky enough to receive targeted offers for more ($300).

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

NRB525 — Fri, 14 Jul 2017 10:21:28 GMT

I have two BofA cards that started out in 2001 and 2003 as affiliated cards, I think with other banks which subsequently merged into BofA.

Both affiliation arrangements ended several years ago, but BofA kept the same terms on each card, just converted each to a plain MC, plain AMEX.

About a year ago, after I gave up asking about a PC, they sent me the update that they were converting the MC to 3-2-1 rewards, same terms otherwise. The AMEX recently evolved from WorldPoints to some slightly less useless reward program, but the AMEX has a fixed 7.90% APR, 1% FTF, and is being used as a BT card.

I dont one like BofA never tells me on the statement "your autopay of $XXX will post on MM/DD/YYYY" like nearly every other card I have, but other than that I plan on keeping my no-AF cards forever.

The BankAmeriDeals are periodically useful as well.

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

JoeLuvsHisCredit — Fri, 14 Jul 2017 15:36:37 GMT

@Anonymous wrote:
Just a reminder to stay away from political discussion even if it is meant to be humorous. Thank you all for your cooperation.

THANK YOU VERY MUCH

Re: BankAmericard Cash Rewards No longer aff. w/ HRC

Anonymous — Fri, 14 Jul 2017 16:51:03 GMT

I've deleted several posts that do not fall within the guidelines set forth in MyFICO's Forums Terms of Service and Friendly, Supportive and Respectful. Please do not post unless you can do so without insulting others. If not, your posting privileges will be at risk. Thank you for your cooperation.