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)
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? Hopefully this helps someone out there!
Thank you! I think they knew I could use a balance transer right now. It's creepy and awesome at the same time!
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.
Welcome and congrats!