Bank of America: Does this offer mean I'm basically approved already?

[thatguycx]

Over the past like 1-2 months, I've gotten just some offers from BoA. 

Here's the link to the three images of the offer.

The APR is set in-stone just like how I was approved for Chase. So I'm trying to think, does this mean the same thing for BoA? I'm thinking about pulling the trigger; not now, but anytime from a few weeks from now until April. And yes I do currently have a small relationship with BoA already - a savings account with them. But there's not much in it and its like almost a year old max at the moment.

I'm wanting that 3% back on online shopping from Newegg, Walmart etc the computer part stores and such primarily.

[Credit12Fico]

I think imgur is having server issues so your linky no worky.

[Anonymous]

The images show up fine to me

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@Credit12Fico wrote:

I think imgur is having server issues so your linky no worky.

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[Slabenstein]

Link worked fine for me.  I don't know BoA mailers specifically, but from the specific APR and the opt-out prescreen language, this looks to me like an actual preapproval, not (just) marketing.

[TheBoondocks]

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@thatguycx wrote:

Over the past like 1-2 months, I've gotten just some offers from BoA. 

Here's the link to the three images of the offer.

The APR is set in-stone just like how I was approved for Chase. So I'm trying to think, does this mean the same thing for BoA? I'm thinking about pulling the trigger; not now, but anytime from a few weeks from now until April. And yes I do currently have a small relationship with BoA already - a savings account with them. But there's not much in it and its like almost a year old max at the moment.

I'm wanting that 3% back on online shopping from Newegg, Walmart etc the computer part stores and such primarily.

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Bro, if I were you I would get the US Bank Cash+, it gives 5% on electronic stores from best buy, to newegg, frys, computer world, etc. Yu're going to build your own gaming PC?

[thatguycx]

Not just mines, but others. One of my side hustles is building PCs so if someone comes to me wanting a computer built then they will send me the money and I will buy the parts for them on top of earning cashback off of their money. I get a few of them every month. I already have the 5% from Amazon Prime on my AMEX business account but this one was going to try to cover everything else like Newegg, Walmart, Best Buy, etc. I'll take a look at that card too.

[FinStar]

The offer is not a pre-approved offer, unfortunately.  It is a pre-selected offer where you've met certain pre-screened criteria for the Cash Rewards CC.

Now, that said, if your profile is well-established, FICO scores are decent and can support the application, you likely could be approved.  

ETA - since you have a BoA online profile, check the Special Offers & Deals > View your special offers section, if one is there, those are typically more reliable.

[Slabenstein]

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@thatguycx wrote:

Not just mines, but others. One of my side hustles is building PCs so if someone comes to me wanting a computer built then they will send me the money and I will buy the parts for them on top of earning cashback off of their money. I get a few of them every month. I already have the 5% from Amazon Prime on my AMEX business account but this one was going to try to cover everything else like Newegg, Walmart, Best Buy, etc. I'll take a look at that card too.

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The Max Cash Preferred, a similar card issued by Elan through small banks and CUs all over the country, has the same 5% electronics stores category, so it's another option you can consider.

[coldfusion]

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@FinStar wrote:

The offer is not a pre-approved offer, unfortunately.  It is a pre-selected offer where you've met certain pre-screened criteria for the Cash Rewards CC.

Now, that said, if your profile is well-established, FICO scores are decent and can support the application, you likely could be approved.  

ETA - since you have a BoA online profile, check the Special Offers & Deals > View your special offers section, if one is there, those are typically more reliable.

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+e^23

[FICOlearner123]

If you have a relationship with bofa and have not opened too many lines recently  there is a good possiblity, good luck.