@Anonymous wrote:
BOA doesn't do them. If you don't see "PRE-SCREEN OPT-OUT" on an applcationt then it's purely marketing. When you pre-qual for Cap1 for instance you'll see the bolded notice at the bottom.
If you pull the trigger they'll typically do a single pull in comparison to other banks that do 2 or 3 pulls across multiple CRA's. I took one on EX for BOA CR that yielded a 10K CL and grew within ~2 years to 65K at which point that's all they will give me at this point despite waiting and hitting the button a couple more times over the past year or so.
Having a deposit account with them can be both helpful and a disadvantage at the same time depending on how you're using it. If it's a low balance and no transactions it probably won't help much. I don't bank with BOA since my CU pays much better APY than BOA or any big bank would ever.
The bolded part is inaccurate. They generate such offers although not as frequent as most other lenders. In fact, 3 of my BoA approvals including the most recent business CC were pre-approved. Not pre-selected nor recommendations. 1 of them was a mailer. So, let's not cite absolutes when there's other anecdotal evidence to the contrary.
