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BofA Approval from "Preselected" Mailer

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yorobbie
Valued Member

BofA Approval from "Preselected" Mailer

Hi! Long time lurker here, so I thought I'd add something that could be useful. I got a BoA letter yesterday for a Bankamericard Mastercard that contained a "personal secure code", an APR offer of 18.74%, 0% APR for 18 billing cycles, no penalty APR, no AF, 1% balance transfers, and a minimum SL mentioned was $500. 

 

I took the bait and applied online using the link in the letter, so here's what happened and some DPs.

 

Instant approval with $10,000 SL (ok, wow)

Experian HP

 

DPs

Never had any type of account with BoA, ever.

FICO's all hovering around 700

AAoA 8-9 years

INQ: EX 4, TU 3, EQ 3

One baddie 3.3 years ago (a collections only showing on TU and EX)

Sh*t-ton of student loans, but all current as of 2015, no other loans

About 22% overall UTIL

CLs: Cap1Venure $6500, Ca1V1 $3500, Amex BCP $16600, Disco CB - $10300, WF Propel $7000, Amazon (Synch) $4000, Wayfair (Comenity) $3800, Avant $750, Amex Plat.

 

Did I forget anything? Smiley Happy Hopefully this helps someone out there!

Starting FICO 8: 620 Current FICO 8: 760s Current FICO 9: 770s
Message 1 of 16
15 REPLIES 15
gdale6
Moderator Emeritus

Re: BofA Approval from "Preselected" Mailer

That is a very solid approval from BoA they like your profile, congrats and welcome to myFico Smiley Happy

Message 2 of 16
yorobbie
Valued Member

Re: BofA Approval from "Preselected" Mailer

Thank you! I think they knew I could use a balance transer right now. It's creepy and awesome at the same time! Smiley Happy 

Starting FICO 8: 620 Current FICO 8: 760s Current FICO 9: 770s
Message 3 of 16
M_Smart007
Legendary Contributor

Re: BofA Approval from "Preselected" Mailer

 

Congratulations!!!

 

Message 4 of 16
yorobbie
Valued Member

Re: BofA Approval from "Preselected" Mailer

Thank you! 

 


@Anonymous wrote:

Congratulations!


 

Starting FICO 8: 620 Current FICO 8: 760s Current FICO 9: 770s
Message 5 of 16
yorobbie
Valued Member

Re: BofA Approval from "Preselected" Mailer


@M_Smart007 wrote:

 

Congratulations!!!

 


Thank you so much!

Starting FICO 8: 620 Current FICO 8: 760s Current FICO 9: 770s
Message 6 of 16
AllZero
Mega Contributor

Re: BofA Approval from "Preselected" Mailer

Congratulations on your approval!
Message 7 of 16
coreyb80
Super Contributor

Re: BofA Approval from "Preselected" Mailer

Congrats on the approval and a very nice SL!

Message 8 of 16
Aim_High
Super Contributor

Re: BofA Approval from "Preselected" Mailer


@yorobbie wrote:

I got a BoA letter yesterday for a Bankamericard Mastercard

APR offer of 18.74%

0% APR for 18 billing cycles

Instant approval with $10,000 SL


Welcome to My Fico Forums and Congrats on the BofA approval!

Very nice $10K SL! 

They're a good bank to have in your wallet. 

waytogo.jpg


Business Cards


Length of Credit > 40 years; Total Credit Limits >$850K
Top Lender TCL - Chase 156.4 - BofA 99.7 - AMEX 95.0 - CITI 94.5 - NFCU 80.0
AoOA > 30 years (Jun 1993); AoYA (Aug 2023)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 9 of 16
Drwaz99
Established Contributor

Re: BofA Approval from "Preselected" Mailer

Welcome and congrats!

Message 10 of 16
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