BOA Special Offer???

[ddemari]

Wow that looks like a legit offer! I have had accounts with boa since 2008 and my special offers have alwaya been musuem and open a merril edge account with 600 dollars. Lack luster card but still! Id take it lol

[PrettyGyrl]

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@CreditDunce wrote:

The 0% for 15 months is ok.  But after the 0% offer is up, it is a useless card.

But why not try for the Better Balance card instead.   The BBR has only 12 months of 0%.   But they will give you $100 each year as long as you are paying more then the min.  (Or $120 with a BoA checking account).

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That was the only card listed in the Special Offer tab for me.

[GetMeSlick]

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@PrettyGyrl wrote:

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@CreditDunce wrote:

The 0% for 15 months is ok.  But after the 0% offer is up, it is a useless card.

But why not try for the Better Balance card instead.   The BBR has only 12 months of 0%.   But they will give you $100 each year as long as you are paying more then the min.  (Or $120 with a BoA checking account).

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That was the only card listed in the Special Offer tab for me.

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its a sure shot approval for you if you go for it. if you are not on the BT, then probably you have think whether you need this or not.

[Anonymous]

That's not really a "special" offer. That was my original offer on my BOA Americard before I PC'd it to Traval Rewards. Also it comes up for my hubby as well. If you really need a balance transfer then it's a great deal but that is always listed there.

[CreditDunce]

I know it is not a sure thing.  But if they have pre-approved you for one card, they more than likely will approve you for the BBR.   The pre-approval shows they are willing to extend you more credit.   I can't believe there is that much difference in the underwriting requirements between the cards.   Heck, I could make a fairly good argument that it less risky to apply for the BBR then the plain jane card.   If they give you a toy limit on the plane jane card, it isn't useful as a balance transfer card.  But the BBR is quite useful with a toy limit.

Still I understand if you don't want to take the risk of a denial.

[wacdenney]

I'm in the same boat and this has happened to me before recently.  Last time I went for CLIs on existing cards rather than new apps and was approved for both.  I doubt I could get CLI's again so soon but I can't seem to find a card I want. 

Anyone have any suggestions on great co-branded cards issued by BofA or FIA Card Services that I may not have considered??

[Anonymous]

Do you fly? Alaska Airlines VS comes with 25,000 points upon approval and a companion fare ticket. You can also earn and reedeem on partner airlines.

Travel Rewards and Cash Rewards both come with 100 after 500 spend. Not sure what kind of card your looking for..

[wacdenney]

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@Anonymous wrote:
Do you fly? Alaska Airlines VS comes with 25,000 points upon approval and a companion fare ticket. You can also earn and reedeem on partner airlines.

Travel Rewards and Cash Rewards both come with 100 after 500 spend. Not sure what kind of card your looking for..

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The Alaska card is sexy in black, but no I don't fly and I already have Cash Rewards.  I'm thinking about just asking for another CLI.  Trying to research a little now and see if that's even a possibility.  It would be worth the HP if I got as much bump again as I did last time.

[Anonymous]

The regular Alaska card isn't the greatest looking. Its the Northern Lights design one that's better. But that's no reason to get a card anyways.

[joedtx]

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@PrettyGyrl wrote:

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@CreditDunce wrote:

The 0% for 15 months is ok.  But after the 0% offer is up, it is a useless card.

But why not try for the Better Balance card instead.   The BBR has only 12 months of 0%.   But they will give you $100 each year as long as you are paying more then the min.  (Or $120 with a BoA checking account).

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That was the only card listed in the Special Offer tab for me.

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If you are going to use it to BT then go for it, besides you can request a lower APR with time and BOA can be generous with CLI.