BOA $99/500 offer

[Anonymous]

Hello all! I've read online that BoA offers a partially secured $500 card for a $99 deposit. However, I can't find it anywhere on their website. Do you know where I can find and redeem this offer?

[CreditCrusader]

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@Anonymous wrote:

Hello all! I've read online that BoA offers a partially secured $500 card for a $99 deposit. However, I can't find it anywhere on their website. Do you know where I can find and redeem this offer?

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If I'm not mistaken, the 99/500 option is a counter-offer to an application for a better card. You really cannot apply for it specifically.

[Anonymous]

@CreditCrusader I applied for their Cash Rewards card this morning but was denied, however I didn't recieve a counter offer.

[Anonymous]

@CreditCrusader  Would that offer come via the mail when they send the denial letter?

[coreyb80]

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@Anonymous wrote:

@CreditCrusader  Would that offer come via the mail when they send the denial letter?

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From what I've read the counter offer comes immediately after the denial.

[Anonymous]

@coreyb80  Darn, I wasn't offered it immediately after. It didn't even offer the standard $300 deposit for the secured card, even though I prequalified for it and the Cash Rewards unsecured. 

[CreditCrusader]

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@Anonymous wrote:

@coreyb80  Darn, I wasn't offered it immediately after. It didn't even offer the standard $300 deposit for the secured card, even though I prequalified for it and the Cash Rewards unsecured. 

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FYI: I wouldn't put a lot of stock in BOA's "offers". They look like prequalifications, but aren't very solid.

[Anonymous]

This morning I applied online for the Cash Rewards card (mainly because of the $99 for $500 secured offer I've heard about post-denial). However, I never recieved that offer after my denial (I have no idea if there's a chance it may come by mail with the denial letter?)

I currently have a Discover IT and NFCU secured, is it worth adding a BoA secured? I'm really wanting to increase my credit score over the next year or so. I'm willing to pay the $300 for a $300 line, but would much prefer the $99 for $500 if I can find a way to snag that deal.

[gdale6]

Hi there OP, I have merged your two threads on same subject into the earlier one, please refrain from creating multi threads on the same subject it isnt inline with our TOS and it can lead to confusion by the members. Thanks for your understanding on this.

[Anonymous]

Thank you! I'm sorry, I'm new to this site and am trying to get the hang of it. I meant to post that on this tread and not as a new one of the forum. Sorry for the inconvenience!