topic Re: I pulled the trigger on BOA Better Balance Card. in Credit Cards

I pulled the trigger on BOA Better Balance Card.

dodgerslv — Thu, 14 Mar 2013 22:03:57 GMT

Well i couldnt resist the temptation....appllied for the BofA better balance reward and gave me the 30 day message, called the backdoor analyst and a very nice guy said he had a couple of more questions before he could complete the application process. They pulled EX only. Approved for 2000!!!!! not much but my first unsecured major prime card approval based on Experian score!!! Just wanted this card badly i took the risk of denial and HP....now back to the garden...

Re: I pulled the trigger on BOA Better Balance Card.

Anonymous — Thu, 14 Mar 2013 22:05:28 GMT

Congrats!!!

Re: I pulled the trigger on BOA Better Balance Card.

09Lexie — Thu, 14 Mar 2013 22:07:13 GMT

Congrats on your approval ESP with a prime lender.

Re: I pulled the trigger on BOA Better Balance Card.

Anonymous — Thu, 14 Mar 2013 22:07:16 GMT

@dodgerslv wrote:
Well i couldnt resist the temptation....appllied for the BofA better balance reward and gave me the 30 day message, called the backdoor analyst and a very nice guy said he had a couple of more questions before he could complete the application process. They pulled EX only. Approved for 2000! not much but my first unsecured prime card approval based on Experian score!!!

Wow, you and I are in the same boat. I pulled the trigger today too. I was planning an app-o-rama bash for May but I just couldn't wait. I got the 30 day message like you did, called the backdoor immediately was approved for 5K then upped to 7.5K after telling CSR I want to do balance transfer for 6K. All in all it was a pleasant process. I think the fact that I already have a personal and two business cards with them played a big role in the recon. The CSR complimented me for been a good customer. I really love BOA customer service.

Re: I pulled the trigger on BOA Better Balance Card.

dodgerslv — Thu, 14 Mar 2013 22:12:02 GMT

@Anonymous wrote:
@dodgerslv wrote:
Well i couldnt resist the temptation....appllied for the BofA better balance reward and gave me the 30 day message, called the backdoor analyst and a very nice guy said he had a couple of more questions before he could complete the application process. They pulled EX only. Approved for 2000! not much but my first unsecured prime card approval based on Experian score!!!
Wow, you and I are in the same boat. I pulled the trigger today too. I was planning an app-o-rama bash for May but I just couldn't wait. I got the 30 day message like you did, called the backdoor immediately was approved for 5K then upped to 7.5K after telling CSR I want to do balance transfer for 6K. All in all it was a pleasant process. I think the fact that I already have a personal and two business cards with them played a big role in the recon. The CSR complimented me for been a good customer. I really love BOA customer service.

Congrats on your approval and nice limit!!!! I know i will get to those limits one day! Yes, same here, the CSR was very nice and even advise me to go check out MyFico for alot helpful info and tips! I told him i am a regular member on their forums! He laughed and congratulated me on doing a great job with my credit the last couple of years! Now Discover and BofA are my favorite banks! Hopefully WF will be the same if my card graduates next month!

Re: I pulled the trigger on BOA Better Balance Card.

dodgerslv — Thu, 14 Mar 2013 22:13:07 GMT

thank you all for the congrats! Im always thankful every day that i have found this site!...

Re: I pulled the trigger on BOA Better Balance Card.

Anonymous — Thu, 14 Mar 2013 22:35:39 GMT

I've been extremely curious about this card. It soundslike like just easyy money. Let us know how it goes, I've been itching to app this card!

Re: I pulled the trigger on BOA Better Balance Card.

dodgerslv — Thu, 14 Mar 2013 22:54:23 GMT

@Anonymous wrote:
I've been extremely curious about this card. It soundslike like just easyy money. Let us know how it goes, I've been itching to app this card!

thats who it started with me...curiousity and just had to do it...lol. I will let you guys know. Nothing like getting paid for making timely payments.

Re: I pulled the trigger on BOA Better Balance Card.

Anonymous — Thu, 14 Mar 2013 23:26:40 GMT

@dodgerslv wrote:
@Anonymous wrote:
@dodgerslv wrote:
Well i couldnt resist the temptation....appllied for the BofA better balance reward and gave me the 30 day message, called the backdoor analyst and a very nice guy said he had a couple of more questions before he could complete the application process. They pulled EX only. Approved for 2000! not much but my first unsecured prime card approval based on Experian score!!!
Wow, you and I are in the same boat. I pulled the trigger today too. I was planning an app-o-rama bash for May but I just couldn't wait. I got the 30 day message like you did, called the backdoor immediately was approved for 5K then upped to 7.5K after telling CSR I want to do balance transfer for 6K. All in all it was a pleasant process. I think the fact that I already have a personal and two business cards with them played a big role in the recon. The CSR complimented me for been a good customer. I really love BOA customer service.
Congrats on your approval and nice limit!!!! I know i will get to those limits one day! Yes, same here, the CSR was very nice and even advise me to go check out MyFico for alot helpful info and tips! I told him i am a regular member on their forums! He laughed and congratulated me on doing a great job with my credit the last couple of years! Now Discover and BofA are my favorite banks! Hopefully WF will be the same if my card graduates next month!

I agree. The BofA CSRs are the best. My most pleasant phone experiences have been with them. I've also had good experiences with Discover too. Chase and Citi are also pretty good. At the end of the day I think every one has their own individual experience with diffeerent banks. For the most part I like the customer service I receive from the big banks. On the other hand, I'm not too thrilled with PenFed and Amex.

Re: I pulled the trigger on BOA Better Balance Card.

youngandcreditwrthy — Thu, 14 Mar 2013 23:28:55 GMT

Bahahahhahaha BOA blows imo.
Rude reps and too hard to get. I think Amex is much better; call me a snob, I don't care. Heh
Discover beats out Amex by a little ;-)

Re: I pulled the trigger on BOA Better Balance Card.

youngandcreditwrthy — Thu, 14 Mar 2013 23:29:13 GMT

Congrats on the approval!

Re: I pulled the trigger on BOA Better Balance Card.

flowfaster — Thu, 14 Mar 2013 23:33:58 GMT

@youngandcreditwrthy wrote:
Bahahahhahaha BOA blows imo.
Rude reps and too hard to get. I think Amex is much better; call me a snob, I don't care. Heh
Discover beats out Amex by a little ;-)

When was the last time you have had a BoA credit card? BoA/FIA have really stepped it up as of late. They have given me anything I asked for.

Re: I pulled the trigger on BOA Better Balance Card.

youngandcreditwrthy — Thu, 14 Mar 2013 23:43:34 GMT

Haha Ive never had one lol sorry to be rude.
I app'ed with a 700 fico once and was denied...
Additionally, the young lady I attempted to speak with was quite surly.
I do plan to apply on my next app spree though lol, esp if they are good with bal xfers!

Re: I pulled the trigger on BOA Better Balance Card.

dodgerslv — Thu, 14 Mar 2013 23:52:35 GMT

I guess its different for everyone. I applied for Chase back in Aug. 2012 and was denied. Called to recon and ended up with a "not very nice" analyst. I felt like i had no chance once i heard the tone of her voice. Eventually she plain out said she couldnt approve it at this time...I remember she still asked at the end "anything else i can do for you"....oh well.

Re: I pulled the trigger on BOA Better Balance Card.

ObeyJohnny12 — Fri, 15 Mar 2013 00:15:27 GMT

Congrats on the approval.

Re: I pulled the trigger on BOA Better Balance Card.

HiLine — Fri, 15 Mar 2013 00:16:29 GMT

@dodgerslv wrote:
I guess its different for everyone. I applied for Chase back in Aug. 2012 and was denied. Called to recon and ended up with a "not very nice" analyst. I felt like i had no chance once i heard the tone of her voice. Eventually she plain out said she couldnt approve it at this time...I remember she still asked at the end "anything else i can do for you"....oh well.

As a rule of thumb, before you give up on a recon, give it at least 3 tries

Re: I pulled the trigger on BOA Better Balance Card.

agent_bob — Fri, 15 Mar 2013 00:49:04 GMT

congrats! that's a bigger limit than mine! aha i'm still waiting for my PC to go into effect and get this card !!!

Re: I pulled the trigger on BOA Better Balance Card.

Epcot — Fri, 15 Mar 2013 02:13:43 GMT

Nice going, Congrats!

Re: I pulled the trigger on BOA Better Balance Card.

Anonymous — Fri, 15 Mar 2013 03:08:39 GMT

@dodgerslv wrote:
I guess its different for everyone. I applied for Chase back in Aug. 2012 and was denied. Called to recon and ended up with a "not very nice" analyst. I felt like i had no chance once i heard the tone of her voice. Eventually she plain out said she couldnt approve it at this time...I remember she still asked at the end "anything else i can do for you"....oh well.

Your first line sums it up. A creditor who may be nice to me may not be nice to you and vice versa. Personally I've been extremely lucky with the big banks, but not so much with creditors like PenFed and Amex. Everyone has unique experience with different creditors.

Re: I pulled the trigger on BOA Better Balance Card.

CreditChampion — Sat, 16 Mar 2013 03:17:02 GMT

My pops has a secured card....I got it changed over to this. Thanks for the easy money BOA.