topic Re: BoA Prequalified Offer - No Thanks in Credit Cards

BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:22:32 GMT

Got this offer from BoA...Doesn't sound too enticing.No rewards...crappy APR....BT fee. I love not having to settle for this.

Re: BoA Prequalified Offer - No Thanks

mongstradamus — Mon, 29 Sep 2014 03:24:26 GMT

@jsucool76 wrote:
Got this offer from BoA...Doesn't sound too enticing.No rewards...crappy APR....BT fee. I love not having to settle for this.

at least you are pre qualified :-) when i tried pre qual link on boa site, i don't get anything

Re: BoA Prequalified Offer - No Thanks

Shock — Mon, 29 Sep 2014 03:26:16 GMT

do it and just PC. they are really good about it.

Re: BoA Prequalified Offer - No Thanks

Jlu — Mon, 29 Sep 2014 03:28:58 GMT

"Our lowest available interest rate"

20.99%

lol

Re: BoA Prequalified Offer - No Thanks

Anonymous — Mon, 29 Sep 2014 03:29:09 GMT

no annual fee, great for people like me who's trying to increase utilization, though I never get pre-qualified offers from prime banks

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:29:16 GMT

@mongstradamus wrote:
@jsucool76 wrote:
Got this offer from BoA...Doesn't sound too enticing.No rewards...crappy APR....BT fee. I love not having to settle for this.

at least you are pre qualified :-) when i tried pre qual link on boa site, i don't get anything

This wasn't through the pre-qual link. It popped up on my account when I logged in, and I got an email, and a SM about it.

Re: BoA Prequalified Offer - No Thanks

Santi78342 — Mon, 29 Sep 2014 03:29:42 GMT

With your scores you could get any card they offer honestly.

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:30:07 GMT

@Jlu wrote:
"Our lowest available interest rate"

20.99%

lol

Yeah. I about died when I saw that. My ring card is 8%...if I ever need to carry a balance....8%...20.99%....Hmmmm. Which to choose....

Re: BoA Prequalified Offer - No Thanks

Anonymous — Mon, 29 Sep 2014 03:31:16 GMT

@jsucool76 wrote:
@Jlu wrote:
"Our lowest available interest rate"

20.99%

lol
Yeah. I about died when I saw that. My ring card is 8%...if I ever need to carry a balance....8%...20.99%....Hmmmm. Which to choose....

oh oh oh! i know this answer! 20.99%!!!! did i get it right?

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:32:12 GMT

@Anonymous wrote:
@jsucool76 wrote:
@Jlu wrote:
"Our lowest available interest rate"

20.99%

lol
Yeah. I about died when I saw that. My ring card is 8%...if I ever need to carry a balance....8%...20.99%....Hmmmm. Which to choose....
oh oh oh! i know this answer! 20.99%!!!! did i get it right?

Totally.

Re: BoA Prequalified Offer - No Thanks

B335is — Mon, 29 Sep 2014 03:32:19 GMT

Would you rather get a Credit One pre-approval?

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:33:29 GMT

@B335is wrote:
Would you rather get a Credit One pre-approval?

At least I know not to expect anything good from them....BoA I expect more from...I should be a valued customer. I literally put tens of dollars through their card a year.

Re: BoA Prequalified Offer - No Thanks

Anonymous — Mon, 29 Sep 2014 03:33:41 GMT

@jsucool76 wrote:
@Anonymous wrote:
@jsucool76 wrote:
@Jlu wrote:
"Our lowest available interest rate"

20.99%

lol
Yeah. I about died when I saw that. My ring card is 8%...if I ever need to carry a balance....8%...20.99%....Hmmmm. Which to choose....
oh oh oh! i know this answer! 20.99%!!!! did i get it right?
Totally.

I is a total finance wizard, i should go make tapes

Re: BoA Prequalified Offer - No Thanks

Jlu — Mon, 29 Sep 2014 03:35:20 GMT

@jsucool76 wrote:
@B335is wrote:
Would you rather get a Credit One pre-approval?
At least I know not to expect anything good from them....BoA I expect more from...I should be a valued customer. I literally put tens of dollars through their card a year.

Tens of dollars huh? You must be their most valuable cardholder.

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:37:41 GMT

@Jlu wrote:
@jsucool76 wrote:
@B335is wrote:
Would you rather get a Credit One pre-approval?
At least I know not to expect anything good from them....BoA I expect more from...I should be a valued customer. I literally put tens of dollars through their card a year.
Tens of dollars huh? You must be their most valuable cardholder.

Well...1.5% isn't super attractive. I get 2% on citi DC, 5 points/dollar on restaurants and amazon with the citi forward ( i know thats not exactly 5% but it's better than 1.5% ) Plus I'm doing signup bonus spend for my marriot, citi DC, and amex PRG right now. $70 away from my 70k points from marriot

Re: BoA Prequalified Offer - No Thanks

Jlu — Mon, 29 Sep 2014 03:40:04 GMT

You missed the points, lol, it was a joke because tens of dollars = $10 as opposed to what I think you meant as tens of thousands

Re: BoA Prequalified Offer - No Thanks

jsucool76 — Mon, 29 Sep 2014 03:41:06 GMT

@Jlu wrote:
You missed the points, lol, it was a joke because tens of dollars = $10 as opposed to what I think you meant as tens of thousands

No, I meant tens of dollars....That was my joke. You missed the point

Re: BoA Prequalified Offer - No Thanks

B335is — Mon, 29 Sep 2014 03:41:44 GMT

@Jlu wrote:
@jsucool76 wrote:
@B335is wrote:
Would you rather get a Credit One pre-approval?
At least I know not to expect anything good from them....BoA I expect more from...I should be a valued customer. I literally put tens of dollars through their card a year.
Tens of dollars huh? You must be their most valuable cardholder.

LOL!

If it helps at all, my Cash Rewards card has been stuck at 20.99% since 2012, but I still get 0% BT checks every 2-3 weeks.

Re: BoA Prequalified Offer - No Thanks

chalupaman — Mon, 29 Sep 2014 03:45:49 GMT

I think you're right not to waste your time with that offer. After hearing all the crap about BoA's customer service, I plan to stay far away from their cards in the future. With them, I've never gotten any prequalified offers but that's the same across the board for most other lenders except for Credit One. Lol.

Re: BoA Prequalified Offer - No Thanks

Anonymous — Mon, 29 Sep 2014 03:49:16 GMT

At least you get an offer I have yet to be prequalified for anything and rather than take a HP I just converted. Though I'm sure that would be the APR I would get now, so it's better that I converted (BOA is my oldest card and lowest APR)

Related but unrelated.

After I aked for a PC to the Cash Rewards, they gave me an offer I couldn't refuse on my Platinum Plus Visa (which I'm assuming is similar to this offering); 0 % APR on balance transfers and cash advances until April 2016, granted with a BT fee..