Bankamericard (beige) 0% card

Anonymous · ‎04-28-2016

I thought this beige card was CALLED Bankamericard and CR TR etc. were not, but my research trying to search for info on this particular card shows I was wrong. So since this card has no real name, it's hard to find info on it.

I got a mailer that's even better than the advertised offer on their site: 21 months (site says 18) and 11.24% after the 0% (the best they offer). I was going to utilize a combo of existing account 0% offers and some 8% cards and PLOC as the current 0% offers end. My scores are a few points lower than my sig and DH's are probably in the low 700's. I was going to push most of the debt to me (on existing things) hoping that as his score went up, he might pick up CSP (nearly 5/24 eligible) and then do a 0% and transfer anything at 8% back.

Questions:

Does this have a better rep than Slate for usable SL?

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit?

Is it PC'able after the fact to something useful?

Anything else someone has to say about this card/offer?

(Don't throw tomatoes) Same day I got an Alaska offer that is the only BofA card I've really thought of getting, do they do 2 for 1 on a pull like Chase? (I doubt I'd do it but I have to ask.)

Anonymous · ‎04-28-2016

Thought of another question, I wonder if there are on-going offers on this card or after the 60 day window, is it just a blah card?

Anonymous · ‎04-28-2016

They do do 2 for 1 apps like Chase. HPs should combine. BoA has let me carry balances up to my limit for years. Current APR is 7.24%, but get 0% offers for 18 months regularly. I think that as long as your income supports it, they will leave you alone.

Anonymous · ‎04-28-2016

@Anonymous wrote:
They do do 2 for 1 apps like Chase. HPs should combine. BoA has let me carry balances up to my limit for years. Current APR is 7.24%, but get 0% offers for 18 months regularly. I think that as long as your income supports it, they will leave you alone.

Thanks!

NRB525 · ‎04-28-2016

@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Anonymous · ‎04-30-2016

@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

Anonymous · ‎04-30-2016

@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

Anonymous · ‎04-30-2016

@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.

Anonymous · ‎04-30-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.

was it an instant approval? if so, go for a BBR!!

Anonymous · ‎04-30-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@NRB525 wrote:
@Anonymous wrote:

Questions:

Is BofA ok with you actually using their BT card for a BT up to a good portion of your limit? Yes

Thanks!

Weekend crowd...any input?

I would look at the big picture. If you want the 21 months no interest, then apply for it first, then immediately apply for a 2nd card, say, the travel rewards or BBR. And when the bankamericard comes, you can PC it to a cash rewards or TR and still have a chance at the $100/$200 bonus. I know that my SO was able to do that and still got the bonus.

I went for it. I am resisting the Alaska urge.
was it an instant approval? if so, go for a BBR!!

It was, but I don't want the hassle/AAoA hit of a BBR. I wouldn't mind an Alaska, but right now isn't the right time (new puppy so not a lot of air travel in our future). Next year likely. I'm fine with the HP for the one $11k card.

ETA: Seems like its anyone's guess as to what they will pull in CA.