Bank of the West online improvements

[Kforce]

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@Anonymous wrote:

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That's crazy. Thanks for the help. I was planning on app'ing for this card but I'm used to certain features in 2017 and don't want to go back to living in 1998.

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I loved the 60's    

[jc2]

Do you mind sharing Data points? bureau pulled? Score. Util. Neg's on report, inq's etc...I am interested in this card but havnt found much info

[Kforce]

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@jc2 wrote:

Do you mind sharing Data points? bureau pulled? Score. Util. Neg's on report, inq's etc...I am interested in this card but havnt found much info

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I got this card January this year.

My Credit Scores were all 840+

No Negs

I had two 1 year old inquires

Newest cards were 1 year old

AAOA 7+

Less than 1% Util

Experian Pulled

They gave me a CL of 20K, my average card is 15K,

and the average initial Cl for me is about 10K

A few things to know, but not a deal breaker for me.

1) If you are married, and reside in one of the following
     community property states:
     AZ, CA, ID, LA, NV, NM, TX, WA, or WI
     You must select the "joint" application type and
     include your spouse's information even if you are
     applying for individual credit. The on-line application
     will "HP" both you and your spouses credit report.

    If you want to only pull your credit, you need to "Apply by Phone".

2) No online statements, they send paper statement.

    However they have a online page that shows the same current info as other banks

3) You can not move your statement date, it is the last day of the month.

4) You need to push payments from your bank or CU with
     your bill-pay service, or send a check. They do not have
     the normal account linking to pull your funds.

This all said, I like my card, spend about 1K month in the 3% category's, and just

received my quarterly cash-back.

I also think it is my nicest looking card (IMO)

[Anonymous]

I'm really bummed about the limitations with this card..I really want it for it's rewards structure..

[jc2]

Thank you for the great info!

[Anonymous]

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@Kforce wrote:

I got this card January 2017.

They gave me a CL of 20K, my average card is 15K,

and the average initial Cl for me is about 10K.

A few things to know, but not a deal breaker for me.

1) If you are married, and reside in one of the following
     community property states:
     AZ, CA, ID, LA, NV, NM, TX, WA, or WI
     You must select the "joint" application type and
     include your spouse's information even if you are
     applying for individual credit. The on-line application
     will "HP" both you and your spouses credit report.

    If you want to only pull your credit, you need to "Apply by Phone".

2) No online statements, they send paper statement.

    However they have a online page that shows the same current info as other banks

     Sept. 2017 --  Online statements will be implemeted

3) You can not move your statement date, it is the last day of the month.

     Sept. 2017 --  Can move statement date

4) You need to push payments from your bank or CU with
     your bill-pay service, or send a check. They do not have
     the normal account linking to pull your funds.

     No info on this !

This all said, I like my card, spend about 1K month in the 3% category's, and just

received my quarterly cash-back.

I also think it is my nicest looking card (IMO)

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Kforce, do you know what their CLI policies are?

I was just approved for this card at a 4k SL, which is sufficient for how much I would likely spend on the categories while keeping my reported util within 30% on the card, however it'd be close to that threshold. I'll definitely be looking into a CLI as my category spending would be roughly 800-1100ish depending on the month, and 30% comes out to about 1250 so I'd like to get it up a bit so I'm not "riding the line" so closely on it, as I am currently PIF after statement cut due to working on paying off an engagement ring at the moment.

Have you attempted a request yet on it, or been advised on how long of a wait they usually have/require, as well as SPvsHP?

If anybody else can help out, that'd be great. I just wasn't sure how many people there are that have this card, moreso how often those few actually use it that do have it.

[Kforce]

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@Anonymous wrote:

Kforce, do you know what their CLI policies are?

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My initial CL was at a level that I have no plans to ask for an increase.

I have never seen any data points on the forum about CL increases with BotW.

Being that they seem so old fashioned in features, I would jump to

the conclusion that it might be a HP and need 6 months.

It can do no harm to call and ask what the BotW policy is on CL'S

If you find out please post.

[Anonymous]

Wow
Good thing I read this
been looking for a card to app for
and this one one of my top choices so far but don't want to go back to 90s either lol
BNP Paribas really???

[Kforce]

Just for info :

None of the improvements have been implemented.  

[Anonymous]

Excellent information in this thread.

I really wanted to APP for this card but the limitations are just too extreme for what you'd expect in 2017.