Is this an actual BOA pre-qual

[Anonymous]

I'm thinking that no, it isn't, since it doesn't have a specific interest rate listed. Problem is that I think before when I checked it would come back with something like "we couldn't find any offers, but we think you might like this." Below this one it also says "Here are some more customized offers", and lists three more cards.

[kdm31091]

IMO no, that's just a generic "recommendation" from them

[Anonymous]

Nope

[Anonymous]

If you put random info you'll get the same recommendations. 

[dobirdsmommy]

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@Anonymous wrote:

If you put random info you'll get the same recommendations. 

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yeah my cat Bruce Wayne who makes 10,000 a year also got a pre qualified offer from Discover too. If it says we recommend ... Nope dont bite

 meanwhile BOA he didnt get anything; but they think he will like the BOA 123 card

[Anonymous]

I just tried it with a bunch of fake information and got exactly the same result. 

[kdm31091]

Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

[Anonymous]

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@kdm31091 wrote:

Am I the only one who thinks the BOA 123 card kind of, um, sucks? I guess it's okay if you have basically no other cards, but 2% on groceries is nothing exciting as you can exceed that with several cards, and 3% on gas is sort of good, but nothing terribly exciting unless your gas spend happens to be quite high.

It seems like one of those cards that they need to update to make more interesting or competitive as there is nothing it does especially well.

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I am only interested in Fidelity 2%, BBR (Several if possible), and Alaska Airlines siggy from BoA, personally.

[dobirdsmommy]

When I had Fleet before BOA bought them out. I didnt care for them either.  And when they wouldnt even give me a secured card I basically blacklisted them from my wallet

[joltdude]

Im pretty sure if its a true prequal offer it has to have a notice similar to the ones below...

You can choose to stop receiving "prescreened" offers of credit by calling toll-free 1.888.567.8688. For more information about prescreened offers, please see the PRESCREEN & OPT-OUT NOTICE in the accompanying Rates and Fees.

You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-5-OPT-OUT. See PRESCREEN & OPT-OUT NOTICE below for more information about prescreened offers.

PRESCREEN & OPT-OUT NOTICE: This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll free, 1-888-5-OPT-OUT (1-888-567-8688); or write them individually at: Experian Target Marketing, P.O. Box 919, 701 Experian Parkway B2, Allen, TX 75013; Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123; Trans Union Corporation, Attn: Marketing Opt Out, P.O. Box 97328, Jackson, MS 39288-7328.