topic Re: BOA Is really nice! in Credit Cards

BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 20:08:54 GMT

I just got my BOA Secured Card today in the mail, I activated it and I called their backdoor at 800-824-5895 and asked for 1-2-3 Rewards and a very nice guy helped me with my request and said my new card will come in the mail within 2 to 4 weeks and i can still use my regular card till the new one arrives! I can't belive I am getting such great customer service from BOA! This is awesome!!!!!!

Re: BOA Is really nice!

jsucool76 — Sat, 21 Jul 2012 20:10:02 GMT

Not to rain on your parade, but everyone gets that. haha. Congratulations though, it's a great secured card to have.

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 20:11:44 GMT

@jsucool76 wrote:
Not to rain on your parade, but everyone gets that. haha. Congratulations though, it's a great secured card to have.

I know, but I just can't belive how nice they are compaired to Capital One! LOL.

Re: BOA Is really nice!

jsucool76 — Sat, 21 Jul 2012 20:13:10 GMT

Capital one is really nice to me. They gave me a PC ~20 days into my first month, waived my annual fee for life, overnighted replacement cards (that I didn't need, but it was still nice of them, thought it was gonna be the card for my PC but it's the same card)

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 20:16:16 GMT

@jsucool76 wrote:
Capital one is really nice to me. They gave me a PC ~20 days into my first month, waived my annual fee for life, overnighted replacement cards (that I didn't need, but it was still nice of them, thought it was gonna be the card for my PC but it's the same card)

Everytime I have called Capital One, their tone of voice just wasn't nice, let alone their ability to help me. With BOA they are very cheerful when they answer the phone and they even thank me for my business!

Re: BOA Is really nice!

jsucool76 — Sat, 21 Jul 2012 20:17:28 GMT

That's why you always opt for the "Chat Now" button on top of your account summary. Sure they just copy and paste from a script, but there's yet been something they haven't been able to help me with. The only dept. you can't speak to on the Chat Now is the fraud department, but other than that they can do or transfer you to pretty much anyone.

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 20:22:14 GMT

@jsucool76 wrote:
That's why you always opt for the "Chat Now" button on top of your account summary. Sure they just copy and paste from a script, but there's yet been something they haven't been able to help me with. The only dept. you can't speak to on the Chat Now is the fraud department, but other than that they can do or transfer you to pretty much anyone.

I have done the chat now too, and they were not able to product change me and told me to apply for another card, i have tried on 2 different occasions.

Re: BOA Is really nice!

jsucool76 — Sat, 21 Jul 2012 20:23:19 GMT

From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha.

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 20:26:15 GMT

@jsucool76 wrote:
From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha.

That's why i got the BOA Secured Visa, cuz from what i read they will graduate & grow with me and are always willing to help!

Re: BOA Is really nice!

jsucool76 — Sat, 21 Jul 2012 22:17:52 GMT

They're mean, they wouldn't give me their student card even though I asked nicely. D:

Re: BOA Is really nice!

Revelate — Sat, 21 Jul 2012 22:23:49 GMT

@linux007969 wrote:
@jsucool76 wrote:
From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha.
That's why i got the BOA Secured Visa, cuz from what i read they will graduate & grow with me and are always willing to help!

Hah, well you'll find all sorts of opinions regarding BOA/BOFA here on these forums, but I happen to agree with you. It's the best secured product that anyone without a qualified military affilation can get, and it's far and away the best rewards package of anything in the subprime strata.

I'm certain other lenders will move to match this part, and FWIW I've never had an issue with BOFA's credit cards that wasn't my own fault. BOFA does seem to be trying to engender more customer loyalty, similar with Chase these days too. Gone are the days where consumers simply stuck with one bank for life for their needs, online access has made that a complete thing of the past with my being able to do in 5-10 minutes what would've taken me hours to accomplish in person even 20 years ago.

Anyway congrats on the card, and my own secured transition to the 1-2-3 rewards package was flawlessly executed by BOFA.

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 22:35:07 GMT

@Revelate wrote:
@linux007969 wrote:
@jsucool76 wrote:
From what I've read they're entirely unwilling to do anything for anybody unless they have either the max initial limit on their average cards ($3000) or one of their prime cards. haha.
That's why i got the BOA Secured Visa, cuz from what i read they will graduate & grow with me and are always willing to help!
Hah, well you'll find all sorts of opinions regarding BOA/BOFA here on these forums, but I happen to agree with you. It's the best secured product that anyone without a qualified military affilation can get, and it's far and away the best rewards package of anything in the subprime strata.

I'm certain other lenders will move to match this part, and FWIW I've never had an issue with BOFA's credit cards that wasn't my own fault. BOFA does seem to be trying to engender more customer loyalty, similar with Chase these days too. Gone are the days where consumers simply stuck with one bank for life for their needs, online access has made that a complete thing of the past with my being able to do in 5-10 minutes what would've taken me hours to accomplish in person even 20 years ago.

Anyway congrats on the card, and my own secured transition to the 1-2-3 rewards package was flawlessly executed by BOFA.

Thanks so much for feedback. I hope I can have a very nice relationship with BOA for years to come as long as we treat each other with respect and kindness.... LOL! Eventually I am going to close my Amazon Card with GE but for right now i'm just going to pay it to a zero balance and let it go for a while & keep it open so it will help with my utilization, cuz having an extra $300 to use for ultlization manipulation will come in handy! LOL

Re: BOA Is really nice!

jsickz32 — Sat, 21 Jul 2012 22:38:43 GMT

im another bofa happy costumer here. they gave me my first credit card same day i turned 18!

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 22:40:37 GMT

@jsickz32 wrote:
im another bofa happy costumer here. they gave me my first credit card same day i turned 18!

That's awesome! I'm 22 years old!

Re: BOA Is really nice!

jsickz32 — Sat, 21 Jul 2012 22:44:07 GMT

@linux007969 wrote:
@jsickz32 wrote:
im another bofa happy costumer here. they gave me my first credit card same day i turned 18!
That's awesome! I'm 22 years old!

im 21. i still have my student plat plus(since 18) and the cash rewards and bofa amex accelerated rewards.

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 22:46:05 GMT

@jsickz32 wrote:
@linux007969 wrote:
@jsickz32 wrote:
im another bofa happy costumer here. they gave me my first credit card same day i turned 18!
That's awesome! I'm 22 years old!
im 21. i still have my student plat plus(since 18) and the cash rewards and bofa amex accelerated rewards.

Wow, you really are a happy customer to have 3 cards with them.

Re: BOA Is really nice!

jsickz32 — Sat, 21 Jul 2012 22:48:34 GMT

yup theyve always been awesome to me.ive had checking account with them since i was 16 so i guess thats why

Re: BOA Is really nice!

linux007969 — Sat, 21 Jul 2012 22:53:37 GMT

@jsickz32 wrote:
yup theyve always been awesome to me.ive had checking account with them since i was 16 so i guess thats why

I bank with PNC, I will apply with them in like 3 years from now cuz i saw they have a box to check off on their app that says about having a limited history, so i'm not going to even think about applying for them right now cuz of only having 6 months of history. I think I am doing good, having 5 cards, especially that BOA is a prime bank in only 6 months of credit history!! I can't belive it i am going so well!

Re: BOA Is really nice!

jsickz32 — Sat, 21 Jul 2012 23:39:58 GMT

i know what you mean. i think having that card helped me with my credit scores and stuff.