topic Re: BoA Forcing People to their APP for Free Fico Score in Credit Cards

BoA Forcing People to their APP for Free Fico Score

gdale6 — Wed, 24 Nov 2021 15:38:22 GMT

Logged in and saw this today, no more Fico score unless I download their app. Not going to happen, I never will use a smartphone for anything. I wont just go with the flow. I also see all these deals being posted here in main CCs and when I check with BoA not a single deal available for either of my cards.. If these 2 cards didnt give me the ability to change the 3% category every month I would shut both of them down. Im getting more selective on who I keep and who goes. Got plenty of other banks willing to give me a Fico score and I dont use their apps....

Re: BoA Forcing People to their APP for Free Fico Score

Adkins — Wed, 24 Nov 2021 20:09:26 GMT

Re: BoA Forcing People to their APP for Free Fico Score

Yasselife — Wed, 24 Nov 2021 18:16:52 GMT

@gdale6

Hi, what is it that you don't like about mobile app banking? Do you monitor your accounts on pc only, or https web from your phone browser.
I personally find apps very convenient, more friendly user... 5 yrs no issues. If you lose your card, you can lock it right away.

Re: BoA Forcing People to their APP for Free Fico Score

CreditMagic7 — Wed, 24 Nov 2021 18:21:09 GMT

Heck i don't know how to answer that. I mean using Credit Karma is one thing, and i have used and do use certain selective bank apps (2) but i also don't see why they would narrow seeing your FICO Score only on the app instead of both online & app. But that's just me and personal preference.

Re: BoA Forcing People to their APP for Free Fico Score

Goos — Wed, 24 Nov 2021 18:24:41 GMT

You could do it from a tablet too . But to each their own. My assumption is you are in a very small minority and it's just not a big point to include that on the website anymore when they can use the resources to improve the app that most people do use. Business is in business to make money and it obviously is not good money to cater to a small crowd that just has not evolved with the technology for whatever reason there may or may not be .

Re: BoA Forcing People to their APP for Free Fico Score

ptatohed — Wed, 24 Nov 2021 18:30:03 GMT

I resisted banking apps for a while. But check deposits from home using your phone? Priceless!

Re: BoA Forcing People to their APP for Free Fico Score

Yasselife — Wed, 24 Nov 2021 18:52:19 GMT

@ptatohed
Full access at any place/time with only one finger, what's not to love? We can even use chat service for flirting and what not, limit increases are almost guaranteed. I dislike making calls as much as eating spinach.

@gdale6 we are about to enter 2022,
🦖<< don't be that guy, lol, with all due respect.

Re: BoA Forcing People to their APP for Free Fico Score

Hoben02 — Wed, 24 Nov 2021 20:10:03 GMT

Well at my gym someone broke into the lockers I just always keep my smartphone in my gym shorts but not my wallet. When I found out got on the app and immediately locked all my cards

Re: BoA Forcing People to their APP for Free Fico Score

MileHigh96 — Wed, 24 Nov 2021 20:03:33 GMT

@gdale6 wrote:
Logged in and saw this today, no more Fico score unless I download their app. Not going to happen, I never will use a smartphone for anything. I wont just go with the flow. I also see all these deals being posted here in main CCs and when I check with BoA not a single deal available for either of my cards.. If these 2 cards didnt give me the ability to change the 3% category every month I would shut both of them down. Im getting more selective on who I keep and who goes. Got plenty of other banks willing to give me a Fico score and I dont use their apps....

Unfortunately I think you are going to be in the very small minority on this one. More and more people are using their smartphone for EVERYTHING, including mobile banking. I have the apps on my phone for every bank/credit card I do buisness with and it's awesome to have all of that at my fingertips any time I need it. As others have mentioned, you can control your cards instantly if they are lost or stolen, which is a HUGE plus in these days when identity theft is rampant. And lots of times, the apps are designed better than the websites are anymore because they are putting more effort into making slick apps versus webpages. And I even resisted using a mobile wallet for a long time too, but now I am fully invested in Google Pay. If I forget my wallet for some reason, I still have access to all my payment methods (excpet cash of course, which I rarely ever carry anymore).

What is your hesitancy in not wanting to use the apps?

Re: BoA Forcing People to their APP for Free Fico Score

Brian_Earl_Spilner — Wed, 24 Nov 2021 20:13:05 GMT

Many companies are forcing people to apps now. Some electronics can't be set up or used/maintained without apps nowadays. Sooner or later you might not have a choice.

Re: BoA Forcing People to their APP for Free Fico Score

FinStar — Wed, 24 Nov 2021 20:30:03 GMT

@Yasselife wrote:
@ptatohed
Full access at any place/time with only one finger, what's not to love? We can even use chat service for flirting and what not, limit increases are almost guaranteed. I dislike making calls as much as eating spinach.
@gdale6 we are about to enter 2022,
🦖<< don't be that guy, lol, with all due respect.

It's his choice, right?

I mean, yes, the mobile app and the way technology has made innovations and improvements over the years has made things more convenient, but it also has made it a lot worse in other aspects of life. Of course, we're not here to debate those aspects.

The "don't be that guy 🦖" is mockery at best, regardless if you place an "lol" or "with all due respect" at the end.

If gdale likes what he's comfortable with, and if for some reason whether it's due to privacy concerns based on what the apps collect about a person or whatever reason(s) he might have, it's his choice.

At the end of the day, if he doesn't download the BoA app (or any mobile app for that matter), even if he doesn't receive the FICO score via the app, will that prevent the sun from rising or setting every day? Absolutely not. I'm sure he has ways to check his scores elsewhere.

Re: BoA Forcing People to their APP for Free Fico Score

FinStar — Wed, 24 Nov 2021 20:26:55 GMT

@Brian_Earl_Spilner wrote:
Many companies are forcing people to apps now. Some electronics can't be set up or used/maintained without apps nowadays. Sooner or later you might not have a choice.

Unfortunately, from a compliance standards perspective on accessibility, FIs have to provide an alternative method without 'forcing' individuals to a mobile application. Individuals have choices, and if that's the way a business wants to conduct their UE it's perfectly fine, but an individual can choose or decide if they want such technology -- or not (i.e. not purchase such electronics or goods).

I mean, I like innovation and mobile apps as the next guy, but individuals still have choices.

Re: BoA Forcing People to their APP for Free Fico Score

coldfusion — Wed, 24 Nov 2021 20:33:07 GMT

I just checked email and logged in online and saw no such message either when checking my score or in the Activity Center, although I do also have the iOS mobile app installed.

There are a lot of better ways to try to incent people to use the mobile app. :-/

Re: BoA Forcing People to their APP for Free Fico Score

xenon3030 — Wed, 24 Nov 2021 20:45:42 GMT

A few years ago, I had an appointment at BOA and I asked about their android app. They said in case of any issue, they will resolve immediately at their end.

In summary, it is better to minimize the apps on phone (safety, battery, etc) and install only the apps that are needed in daily/weekly basis. To deposit checks, it is needed to use app and using PC is inconvenient.

It is good to monitor constantly the app accesses (use e.g. mobile security software) and uninstall the problematic ones. Skype is a good example of a buggy app and it occationally spreads messages in the app version, with link or attachment, while in its PC version, it works almost fine. If you need some apps like Skype occationally on phone, install it and after completing the calls, unintall it (or simply find another alternative trustworthy app that can work correctly).

Re: BoA Forcing People to their APP for Free Fico Score

gdale6 — Wed, 24 Nov 2021 20:50:30 GMT

@Yasselife wrote:
@gdale6
Hi, what is it that you don't like about mobile app banking? Do you monitor your accounts on pc only, or https web from your phone browser.
I personally find apps very convenient, more friendly user... 5 yrs no issues. If you lose your card, you can lock it right away.

Its not about the app or any app it is that I am old and set in my ways. Im not interested in conducting business on a phone, a phone is for making and receiving calls.. I still do most of my communicating by making phone calls not sending email and I do not do text either.

Re: BoA Forcing People to their APP for Free Fico Score

CreditMagic7 — Wed, 24 Nov 2021 21:07:02 GMT

@gdale6 wrote:
@Yasselife wrote:
@gdale6
Hi, what is it that you don't like about mobile app banking? Do you monitor your accounts on pc only, or https web from your phone browser.
I personally find apps very convenient, more friendly user... 5 yrs no issues. If you lose your card, you can lock it right away.
Its not about the app or any app it is that I am old and set in my ways. Im not interested in conducting business on a phone, a phone is for making and receiving calls.. I still do most of my communicating by making phone calls not sending email and I do not do text either.

Don't sweat it. Im also a diehard throwback old schooler who is actually set in my ways too and strickly "mail in" some of my card payments in spite of the fact most of my accounts i do zip them out via PUSH from my bank equals (3) days at most except Comenity. If the mailed payment is toying my patience i call Comenity and pay-by-phone. Talk phone not App.

The one's i mail in has never let me down or been delayed in over 12 years.

You could call them and air your concern to request just to see what answer they give you if their dead set doing app only or if they might also make exceptions.

Re: BoA Forcing People to their APP for Free Fico Score

sladesurfer — Wed, 24 Nov 2021 21:05:05 GMT

I keep my money under the mattress....

Re: BoA Forcing People to their APP for Free Fico Score

ptatohed — Wed, 24 Nov 2021 21:21:49 GMT

I hope this goes without saying but too important not to say at all..... do not do mobile banking while using public wifi!

Re: BoA Forcing People to their APP for Free Fico Score

xenon3030 — Wed, 24 Nov 2021 22:00:56 GMT

If there is a need to use a public wifi for any reason, it is better to use also a trustworthy secure VPN in addition to internet security software such as McAfee (for banking, some interent security software provide also a specific mode e.g. "safe money", to prevent screen snapshoting).

Re: BoA Forcing People to their APP for Free Fico Score

Remedios — Wed, 24 Nov 2021 22:09:07 GMT

@Yasselife wrote:
@ptatohed
Full access at any place/time with only one finger, what's not to love? We can even use chat service for flirting and what not, limit increases are almost guaranteed. I dislike making calls as much as eating spinach.
@gdale6 we are about to enter 2022,
🦖<< don't be that guy, lol, with all due respect.

You use banking apps to flirt with digital assistants?