BA which is better mail offer or online recommended offer ?

[Anonymous]

I know some say mail offers may not mean anything , but it seems like it would be a little more likely . My question , is there any difference between an offer given on the Banks website , the one where you enter your info and they give you an offer , or one you receive in the mail . To be specific , I have a mail offer from Bank of America , the BankAmerica Cash Rewards Visa , When I go online and enter my info , last 4 of SS etc . I get other offers , and if you app over the phone they give you an app code # for that offer . I like the lower interest card , but am wondering if one may be more likely to give a higher credit limit , and which may be a more solid offer .

Anyone know who BA pulls in California ?

As always , thanks in advance !

[datrucking210]

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@Anonymous wrote:

I know some say mail offers may not mean anything , but it seems like it would be a little more likely . My question , is there any difference between an offer given on the Banks website , the one where you enter your info and they give you an offer , or one you receive in the mail . To be specific , I have a mail offer from Bank of America , the BankAmerica Cash Rewards Visa , When I go online and enter my info , last 4 of SS etc . I get other offers , and if you app over the phone they give you an app code # for that offer . I like the lower interest card , but am wondering if one may be more likely to give a higher credit limit , and which may be a more solid offer .

Anyone know who BA pulls in California ?

As always , thanks in advance !

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Online is not reliable at all. Enter spongebob as your name and enter 4 random numbers as the social, you'll see the same offers. Don't know about mail offers since I've never gotten one from them.

[Anonymous]

Thanks for the input ! I just read that if it has a fixed interest rate the offer should be pretty solid . My mail offer has a fixed rate . The online offer is not fixed shows 11-22% so these may be some good indicators .

[Anonymous]

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@Anonymous wrote:

I know some say mail offers may not mean anything , but it seems like it would be a little more likely . My question , is there any difference between an offer given on the Banks website , the one where you enter your info and they give you an offer , or one you receive in the mail . To be specific , I have a mail offer from Bank of America , the BankAmerica Cash Rewards Visa , When I go online and enter my info , last 4 of SS etc . I get other offers , and if you app over the phone they give you an app code # for that offer . I like the lower interest card , but am wondering if one may be more likely to give a higher credit limit , and which may be a more solid offer .

Anyone know who BA pulls in California ?

As always , thanks in advance !

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BofA normally pulls Experian for a new card application and Transunion for a CLI. Does your mail offer say "Invitation to Apply" or "Preselected Offer?"