Bank of America Preselected

[Anonymous]

 Received a preselected offer in the mail today for BankAmericard Mastercard. It gives a set APR. Any idea on how solid these are? 

Thanks 

[AverageJoesCredit]

Probably better than from their prequal page

[Anonymous]

My experian score is my weakest. None of my scores are just fantastic however they have all been on the rise. I am not wanting to take another hit with an inquiry if the preselected offer isnt fairly solid. 

[CreditCuriosity]

If that is your most recent Experian  score in your signature at 630'ish i would hold off for awhile probably till around 680-700 as BofA is fairly conservative.  Just my humble opinion

[Anonymous]

Experian is 657 as of today. I still think thats too low. I am going to hold off. 

[Meanmchine]

I would probably hold off a bit.  Good luck

[Anonymous]

if you were talking about cap1 maybe but bofa no way not worth the risk of a wasted inq

[Blackswizz750]

Its just marketing. I get these offers(monthly) with 0% for a period then 20.24% afterwards. I rip the one up I recieved yesterday.

[AverageJoesCredit]

Once you reach your max with Boa, no matter how many letters and offers you get , one has better luck moving a 3 ton boulder than getting an approval. Yeah, me no wastee no more harpees for Boa

[Anonymous]

I have been with BofA 30plus years and keep quite a bit in plus my Merril Edge tradding account and mortgage.
My EX score is 728 with one 5 year old non reporting CO and a 9 year old CH7 that I cant wait to fall off.
Are they like Chase and not approve because of the BK? Or should I be ok?