Approved for Bank of America Travel Rewards from Offer

[FinStar]

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@Meanmchine wrote:

Congrats on your approval

Just to be sure, is this where you see your card offers ?

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Yes.  When you expand the icon, it'll display the CC offer there or on the next page once you click on View All Offers.

[Meanmchine]

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@FinStar wrote:

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@Meanmchine wrote:

Congrats on your approval

Just to be sure, is this where you see your card offers ?

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Yes.  When you expand the icon, it'll display the CC offer there or on the next page once you click on View All Offers.

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Thanks. 

[randomguy1]

Congrats on the rewards card.

[JohnSnow]

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@Doodlebug30 wrote:

Congrats! I too have an offer in my portal for the travel card. Solid APR. I wonder if I would get approved too. Temptations.

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Thank you! Yeah the offer was sitting in the portal and the temptation got to me. I looked at how long the offer will be available and I would take your time on applying it haha. I'm interested on what you decide to do

[JohnSnow]

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@Aim_High wrote:

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@JohnSnow wrote:

I would like to also know if anyone has ever PC it to their Premium Rewards. 

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Congrats on your Travel Rewards card approval, @JohnSnow! 

But why would you want to PC to the Premium Rewards instead of doing a new application?  That's a $500 SUB you'd be passing up!   Premium Rewards is a great card, though, especially if your deposits qualify you for Preferred Rewards status.  And since you bank with them, they'd be more likely to approve you. 

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That's a great point; the $500 SUB is 500 reasons to sign up. My original thinking was to have as few cards in my wallet as possible. When I am traveling or dining, I didn't want to pick from two cards that tend to have the same catagories. I am the type of person to take the path of least resistance when given the chance lol. Since there is no annual fee, I guess it wont hurt to keep it and apply for the Premium Rewards when travel get back to normal so the airline incidentals become useful.  

[AverageJoesCredit]

I didnt know John Snow used credit😁

[Aim_High]

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@JohnSnow wrote:

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@Aim_High wrote:

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@JohnSnow wrote:

I would like to also know if anyone has ever PC it to their Premium Rewards. 

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Congrats on your Travel Rewards card approval, @JohnSnow! 

But why would you want to PC to the Premium Rewards instead of doing a new application?  That's a $500 SUB you'd be passing up!   Premium Rewards is a great card, though, especially if your deposits qualify you for Preferred Rewards status.  And since you bank with them, they'd be more likely to approve you. 

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That's a great point; the $500 SUB is 500 reasons to sign up. My original thinking was to have as few cards in my wallet as possible. When I am traveling or dining, I didn't want to pick from two cards that tend to have the same catagories. I am the type of person to take the path of least resistance when given the chance lol. Since there is no annual fee, I guess it wont hurt to keep it and apply for the Premium Rewards when travel get back to normal so the airline incidentals become useful.  

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That's probably a good plan!  I believe Bank Of America is pretty easy about moving limits around, so after you've had the Travel Rewards card for awhile (so as to not look like simply SUB-chasing), you could move most of the limit to your Premium Rewards and then close TR.  I have done/am doing a similar strategy with Chase to leapfrog to higher limits. They may require you to keep $500 to $1000 on the donor card when closing it.  (Some banks won't allow this at all, though.)

[cashorcharge]

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@Aim_High wrote:

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That's probably a good plan!  I believe Bank Of America is pretty easy about moving limits around, so after you've had the Travel Rewards card for awhile (so as to not look like simply SUB-chasing), you could move most of the limit to your Premium Rewards and then close TR.  I have done/am doing a similar strategy with Chase to leapfrog to higher limits. They may require you to keep $500 to $1000 on the donor card when closing it.  (Some banks won't allow this at all, though.)

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I concur!  BofA is transparent about their willingness to transfer lines of credit from one account to another or from an existing to a newly acquired account if you desire to keep the original account for aging purposes but want higher credit on the new card.  Currently contemplating this right now and I have confirmed this.

[coldfusion]

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@cashorcharge wrote:

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@Aim_High wrote:

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That's probably a good plan!  I believe Bank Of America is pretty easy about moving limits around, so after you've had the Travel Rewards card for awhile (so as to not look like simply SUB-chasing), you could move most of the limit to your Premium Rewards and then close TR.  I have done/am doing a similar strategy with Chase to leapfrog to higher limits. They may require you to keep $500 to $1000 on the donor card when closing it.  (Some banks won't allow this at all, though.)

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I concur!  BofA is transparent about their willingness to transfer lines of credit from one account to another or from an existing to a newly acquired account if you desire to keep the original account for aging purposes but want higher credit on the new card.  Currently contemplating this right now and I have confirmed this.

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They historically have also been quite willing to transfer some for you behind the scenes if you request a CLI.   That's why it's good practice to check the CL on your other BoA cards if you have a CLI request approved.

[cashorcharge]

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@coldfusion wrote:

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@cashorcharge wrote:

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@Aim_High wrote:

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That's probably a good plan!  I believe Bank Of America is pretty easy about moving limits around, so after you've had the Travel Rewards card for awhile (so as to not look like simply SUB-chasing), you could move most of the limit to your Premium Rewards and then close TR.  I have done/am doing a similar strategy with Chase to leapfrog to higher limits. They may require you to keep $500 to $1000 on the donor card when closing it.  (Some banks won't allow this at all, though.)

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I concur!  BofA is transparent about their willingness to transfer lines of credit from one account to another or from an existing to a newly acquired account if you desire to keep the original account for aging purposes but want higher credit on the new card.  Currently contemplating this right now and I have confirmed this.

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They historically have also been quite willing to transfer some for you behind the scenes if you request a CLI.   That's why it's good practice to check the CL on your other BoA cards if you have a CLI request approved.

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Thanks @coldfusion