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BofA Approval from "Preselected" Mailer

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Established 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 Score: 620
Current Score: 710
Goal Score: 780


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Message 1 of 16
15 REPLIES 15
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Moderator

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
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Established 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 Score: 620
Current Score: 710
Goal Score: 780


Take the myFICO Fitness Challenge
Message 3 of 16
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Epic Contributor

Re: BofA Approval from "Preselected" Mailer

 

Congratulations!!!

 

Message 4 of 16
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Established Member

Re: BofA Approval from "Preselected" Mailer

Thank you! 

 


@JunkieOfCredit wrote:

Congratulations!


 

Starting Score: 620
Current Score: 710
Goal Score: 780


Take the myFICO Fitness Challenge
Message 5 of 16
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Established Member

Re: BofA Approval from "Preselected" Mailer


@M_Smart007 wrote:

 

Congratulations!!!

 


Thank you so much!

Starting Score: 620
Current Score: 710
Goal Score: 780


Take the myFICO Fitness Challenge
Message 6 of 16
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Super Contributor

Re: BofA Approval from "Preselected" Mailer

Congratulations on your approval!
Message 7 of 16
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Valued Contributor

Re: BofA Approval from "Preselected" Mailer

Congrats on the approval and a very nice SL!

Message 8 of 16
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Valued 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



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 9 of 16
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Established Contributor

Re: BofA Approval from "Preselected" Mailer

Welcome and congrats!

Chase Sapphire Reserve 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Red 4k
Citi Double Cash 13.5k
Amazon Store Card 10k

Fico 8s as of 10/1/2020:






Message 10 of 16
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