Bank of America pre-qualify site...how accurate?

[skigirl916]

They've never come back with any PQ for me. 

[Anonymous]

Not very reliable IMO. They prequalified me for the Bankamericard, applied, and was denied. I also bank with them.

[TURNERHOOVER]

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@Anonymous wrote:

Anybody with any insight on how accurate the Ban of America Credit Card pre-qualify website is?

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I'm pretty sure BofA's "prequal" site is now a "recommendation" site. THERE'S NEVER ANY OFFERS. 

[bigblue7722]

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@Anonymous wrote:

ouch

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@Anonymous wrote:

Applied today after being pre qualified and was denied. They did however approve for me a secured card...no thanks.

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no offence to divadivine25 but your scores are in line with a secured card. A lot of people really like BOA's secured card. That being said i think BOA offers way to many secured cards to people. 

[Anonymous]

They recently changed it. Instead of saying "we couldn't find anything" it now produces a deceptive "we recommend" screen that is the same no matter what info is entered. Looks like they've copied Discover.

[Anonymous]

I just checked it yesterday and was highly suspicous of the language. My result said Bankamericard was "recommended" for me. The terms on that card are way too good for my current scores so I passed on app. I suppose if you got "pre-approved" then... maybe.

[Anonymous]

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@Anonymous wrote:

I just checked it yesterday and was highly suspicous of the language. My result said Bankamericard was "recommended" for me. The terms on that card are way too good for my current scores so I passed on app. I suppose if you got "pre-approved" then... maybe.

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Ahhh..thate exactly what mine said. I should have known.

[Imperfectfuture]

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@TURNERHOOVER wrote:

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@Anonymous wrote:

Anybody with any insight on how accurate the Ban of America Credit Card pre-qualify website is?

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I'm pretty sure BofA's "prequal" site is now a "recommendation" site. THERE'S NEVER ANY OFFERS. 

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I get offers in my name, but it still ranges in apr (I think), and I'm looking at more business credit down the road.  With the major banks all vying at that 13.24 max interest rate, methinks a solid score of 760 or above is required, and at least two years small business history.

[Anonymous]

yeah, agreed! BOA, you can put in fake info and it recommends you. I wouldnt do it.

[gibeon]

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@Anonymous wrote:

yeah, agreed! BOA, you can put in fake info and it recommends you. I wouldnt do it.

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HAHAHA... This is totally true. I just gave their system a fake name and a fake address, and they still "recommended" four different cards for me.