BoA Credit Card Offer when exiting Web-Site

[ficonovice]

Does anyone know if this will result in a hard pull or not? I've had a BoA card for around a year and have received several CLI's all without hard pulls. Their site has always been very clear that it will notify me if it's going to result in a hard pull or not and then it's my choice to proceed or not.

I just applied and was approved for a line of credit with them (I'll be needing it unfortunately), and today the new account appeared on my reports (score increase) and it appeared on their web-site when I logged in this morning to check on my credit card account.

When exiting the web-site, it said I was pre-qualified for an NFL Extra Points card with no annual fee, 0% until January 2010, etc....and it asked if I wanted to Accept? There was a box that said ACCEPT (not apply).

I've never received an offer like this on their web-site. (I wasn't checking their pre-approved offers.)

So, will this result in a hard pull or not if I choose to accept?

Again, I just applied and was approved for a line of credit with them, so do you think they're using the credit report that was just pulled to offer me the card?

Thanks!

[Creditaddict]

they are probably using those scores. you could except it and than product change it to something else if you don't like that card.

[ficonovice]

I called BoA, and for the first time, wasn't pleased with their customer service. I was told that it would be a hard inquiry if I wanted the card. Was told to call another # to find out more info or if my current card could be converted,etc....

The "new" # took me to the same place. The person I spoke to was actually abrasive at the end of the call, by repeating Sir, Sir in a loud voice. I said Good Day Maam and hung up. Frustrating...