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Finally in with Bank of America

New Contributor

Finally in with Bank of America

Decided to apply for the BofA Cash Rewards card today, was declined, but was counter offered with the 99/500 partially secured card. I was pretty happy about that because I've heard really great things about that card. Not the ultimate outcome I wanted, but it's my way in with BofA and still has cash back rewards. Also, since I bank with them, it's nice to expand my financial relationship with them as well. Looking forward to making this card grow later down the road.

Total Credit: $29,650

AMEX Delta Skymiles: $6,000 | Discover IT Secured: $500 | Capital One QuickSilver: $2,600 | eBay Mastercard: $500 | Bank of America Cash Rewards: $500 | Minor Credit Cards: $19,550
Message 1 of 15
14 REPLIES
Valued Contributor

Re: Finally in with Bank of America

Congrats!! I started out with a partially secured card with BofA. It went unsecured in a year with an increase. BofA treats you good when you do the right thing. Enjoy it, use it, pay it off....good luck!!Smiley Very Happy

American Express Business Gold(NPSL 10k) AmexPlat (NPSL 35K) Chase CSP (25k) BofA CR Siggy (25k) BofA BBR (25k) Amex BCP(18k) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Pier 1(12.5k) Care Credit (12k) Venture WMC (10.25k) Hilton Honors Ascend (10K) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(9.5k) J Crew( 7.9k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (7K) Overstock (7K) Fidelity® Rewards Visa Signature® Card (6.5K) Citi Diamond (6.5k) PenFed PCR (5K) Kohls (3k) Amex Everyday (1k) Mortgage May 2017 - 2 Penfed auto loans May 2017

FICO 8 Scores EX 690(17) EQ 675(22)TU 705(18) AAOA 2.9yrs TCL=320,550
Message 2 of 15
Established Contributor

Re: Finally in with Bank of America

Well done.  BOA will grow!!

Amex PRG =Amex ED 25k = Amex BCP 6k = Arrival 7k = BOA 321 25k = BOA BBR 8k = CSR 20k = Freedom 10k = Marriott 5k =Ritz 5k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 12k = CAP1 QS 15k = NFCU 24k/CLOC 15k = BBVA 11k = Wells Plat. 5k = (2) US Bank Cash+ 9k, 10k

FICO scores TU 764 EX 739 EQ 745
Message 3 of 15
Highlighted
Community Leader
Super Contributor

Re: Finally in with Bank of America

99/500 card, the LITTLE ENGINE THAT COULDSmiley Happy



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 4 of 15
Valued Contributor

Re: Finally in with Bank of America

Congrats on your approval. BoAis about the only other bank I've yet to get in with
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 5 of 15
Valued Contributor

Re: Finally in with Bank of America

Its still a good outcome.. look at me..

approved 6/2016 

increase credit limit link appear... unsecured 11/16, CLI to $1K  PC platinum card to 321 rewards.

increase credit limit link appears again 3/17... SP CLI to $2.8K '

 

Wonder whats next for next month..?? Maybe another CLI link?

 

 

I have NO regrets at all on the 99//500 card. They have treated me very well!

 

 

 

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!
Message 6 of 15
Community Leader
Super Contributor

Re: Finally in with Bank of America

Next step for you fltireguy, will be a great cliSmiley Happy



Gardening since 6/13/18
Goal: No hps or cli requests at least til 1/1/19, 7/13/20 preferable
Message 7 of 15
Established Contributor

Re: Finally in with Bank of America

Congrats on your BoA cash rewards approval! 😊
Message 8 of 15
New Contributor

Re: Finally in with Bank of America

I have a question about this card for anyone who has experience with it ... It is the 3-2-1 rewards, and I noticed that it also offers an additional 10% cash back if the cash back is redeemed through a qualifying Bank of American Checking or Savings account. Now, this would be awesome because it turns this card into a 11, 12, and 13% cash back card! ... My question, however, is what does BofA consider a "qualifying" account? I have a checking with them, and would definitely be redeeming the cash back to be deposited into my checking for that extra 10% .... Anyone have any experience with this specific feature/offer? 

Total Credit: $29,650

AMEX Delta Skymiles: $6,000 | Discover IT Secured: $500 | Capital One QuickSilver: $2,600 | eBay Mastercard: $500 | Bank of America Cash Rewards: $500 | Minor Credit Cards: $19,550
Message 9 of 15
New Contributor

Re: Finally in with Bank of America

 

 

Actually I answered my own question! I went to the submit form to act as if I was redeeming, and in the drop down menu I noticed that our joint checking account was listed with the 10% bonus next to it! ... Man, this card just got a lot better with that large of a cash back reward!!! 

 

 

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Total Credit: $29,650

AMEX Delta Skymiles: $6,000 | Discover IT Secured: $500 | Capital One QuickSilver: $2,600 | eBay Mastercard: $500 | Bank of America Cash Rewards: $500 | Minor Credit Cards: $19,550
Message 10 of 15