Officially done with Bank of America

[coldfusion]

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Solid prequalifiers from Bank of America are targeted preapprovals tied to and extended as a special offer through a current client's online Activity Center.   Other offer types should be more accurately viewed as permutations of invitations to apply.

[atst2000]

@vic6string I feel your pain.  I too was in a BK 10 years ago (Ch.13) and they actually did give me the starter $100 deposit/$500 SL Cash Rewards Card (BK was discharged at the time, but still on CR's).  So I moved everything over including checking.

Did get some CLI on that card and was un-secured in less than 9 months with a CLI (late 2016).

Finally got that starter card up to a $26k CL today. 

Here is the part that irratates me too:

They constantly pre-approve me for their cards (Travel, and most recently the 1.5% cash one)

with a set APR...only to HP me and deny me for too many inq's lol.  I get it that they are conservative, but dont give a pre-approval

if its just going to deny everytime, and subsequently waste a HP.

Tried getting their Biz CC, and same thing.  I even pre-qualified with a set APR...denied.

They offered me a secured Biz but had to deposit $1000 into a CD...yeah no thanks.

If you haven't already...look into a CU for your CC needs.  

[GatorGuy]

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@coldfusion wrote:

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Solid prequalifiers from Bank of America are targeted preapprovals tied to and extended as a special offer through a current client's online Activity Center.   Other offer types should be more accurately viewed as permutations of invitations to apply.

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@coldfusion If you open a new account do you know how soon preapproval offers show up? 

[CreditCuriosity]

Legit pre-qual looks like this online.  Then go into them and see set APR although nothing is guranteed with credit.  I haven't had one in over a year, but started to show up about a month or so again for all cards.  No new accounts in 9 months.

[Anonymous]

Hmmm, well I have been with BofA for about 28 years and they are the worst of the worst. I have also been with Wells Fargo for 28 years and all I have is great things to say about them. With so many choices out there just go find a bank that you like. I  have accounts with many banks, if one rubs me the wrong way I just leave. Do not take this personally. Find a new bank that suites your needs

Thanks

Mark

[coldfusion]

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@GatorGuy wrote:

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@coldfusion wrote:

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Solid prequalifiers from Bank of America are targeted preapprovals tied to and extended as a special offer through a current client's online Activity Center.   Other offer types should be more accurately viewed as permutations of invitations to apply.

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@coldfusion If you open a new account do you know how soon preapproval offers show up? 

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There is no set pattern, but as best I can tell it's usually at least a year.

[CreditCuriosity]

@Anonymous you already posted this in a few other threads.  Please don't thread bomb as against TOS.  Thank you.

[coreyb80]

I'm currently in 13 and recently applied for BoA and was told that I had an account included with them.  My assumption was that it was a checking account that I forgot about.  Anyhow, I was upset and said I was gonna close them down, but then thought twice about it.  I'll try again next year and hopefully we will be in a better space.  Never had any actual credit with them and would be nice to do so at some point.

[Horseshoez]

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@coreyb80 wrote:

I'm currently in 13 and recently applied for BoA and was told that I had an account included with them.  My assumption was that it was a checking account that I forgot about.  Anyhow, I was upset and said I was gonna close them down, but then thought twice about it.  I'll try again next year and hopefully we will be in a better space.  Never had any actual credit with them and would be nice to do so at some point.

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I wouldn't hold your breath.  The good news is their banking and credit products are nothing special and can be effectively duplicated with any number of other financial institutions.

[Bippy_33]

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@CreditCuriosity wrote:

@Anonymous you already posted this in a few other threads.  Please don't thread bomb as against TOS.  Thank you.

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Be careful, the mods might get mad at you if you criticize him like I did last week. They wasted no time getting on me for something so insignificant and no mods, I'm not apologizing this time. It was silly when I got a private email because I got tired of seeing him saying " Thanks Mark " all the time. All I was pointing out was we know who you are but, they act like I commited a major crime by expressing my annoyance !! Sorry, It was finally my time to vent and I'm glad I wasn't the only person that has issues with him. I'll bet they'll be quick to snap on me again and not say a word to him about flooding the boards !! Sorry again for the rant !!