is this a solid pre approval offer for BOFA ?

[SnowBowl]

it shows 0% for 12 billing cycles and then 22.24% APR...  this is for BBR card.  for the 1st time ever its finally offering me this, does not show a APR range.

Thoughts ?

[pizza1]

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@SnowBowl wrote:

it shows 0% for 12 billing cycles and then 22.24% APR...  this is for BBR card.  for the 1st time ever its finally offering me this, does not show a APR range.

Thoughts ?

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Id say it is. Its a set apr, and not just a range. Take it

[pizza1]

They might also counter back 99/500 offer, and if so...take it! I did

[SnowBowl]

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@pizza1 wrote:
They might also counter back 99/500 offer, and if so...take it! I did

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If I do get counter back offer how long does it take ? couple of weeks after originally declined ?

[Anonymous]

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@SnowBowl wrote:

it shows 0% for 12 billing cycles and then 22.24% APR...  this is for BBR card.  for the 1st time ever its finally offering me this, does not show a APR range.

Thoughts ?

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It is a solid offer and good for 30 days unless something changed on your profile !! Let us know the results

[Anonymous]

Good luck!

[pizza1]

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@SnowBowl wrote:

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@pizza1 wrote:
They might also counter back 99/500 offer, and if so...take it! I did

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If I do get counter back offer how long does it take ? couple of weeks after originally declined ?

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My decline for the original card was instant online, and then on the same page if threw me the 99/500 offer online...i accpeted it, and filled out all the info, and the funds cleared my external acct the next day.  I have my card in hand, and already have used it..  Go find my BOFA thread in the approvals section, and youll see what the 99/500 offer online looks like!

[Anonymous]

Did you app yet?

(Note: The above is neither a recommendation nor a solicitation of an application of the credit card being discussed herein. An application should only be made after thoroughly reviewing the material, both benefits and terms of service, provided by the credit card issuing entity. You should read the provided material carefully in order to understand fully all of the implications and risks of the offering of the credit card to which it relates. The achievement of any or all goals is not guaranteed. There is no assurance that the value or benefits of the credit card will be sufficient to justify the application for same. It is just a question.)

[SnowBowl]

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@Anonymous wrote:

Did you app yet?

(Note: The above is neither a recommendation nor a solicitation of an application of the credit card being discussed herein. An application should only be made after thoroughly reviewing the material, both benefits and terms of service, provided by the credit card issuing entity. You should read the provided material carefully in order to understand fully all of the implications and risks of the offering of the credit card to which it relates. The achievement of any or all goals is not guaranteed. There is no assurance that the value or benefits of the credit card will be sufficient to justify the application for same. It is just a question.)

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Yeah I did. and of course the letter basically says past account performance thing...  Man, this makes it 0 for 6  for getting back in door with creditors which had been previously IIB. but then I am 6 for 7 for getting accounts approvals that are not IIB overall since rebuilding 8 years ago, I think I am done apping completely until my BK falls off from all 3 CR, I think I am pretty much done all I can for rebuilding my credit.