BofA - Card Offer Through Portal

[Anonymous]

Currently have the Cash Rewards and Travel Rewards showing as offers through my BofA portal

Solid APR's showing on both offers with 0% intro and 18.99% after.

Is anyone aware if Bank of America does soft or hard pulls for offers through the banking portal?

[AllZero]

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@Anonymous wrote:

Currently have the Cash Rewards and Travel Rewards showing as offers through my BofA portal

Solid APR's showing on both offers with 0% intro and 18.99% after.

Is anyone aware if Bank of America does soft or hard pulls for offers through the banking portal?

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@Anonymous  Congratulations on your offers. It will be a hard pull once you apply. It could be Experian or TransUnion depending on your region.

[Anonymous]

Thanks for the reply - the rep on the phone said it would be a soft pull but she she didnt sound to sure of herself when she said it

I know that they went to soft pulls for CLI's 

[AllZero]

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@Anonymous wrote:

Thanks for the reply - the rep on the phone said it would be a soft pull but she she didnt sound to sure of herself when she said it

I know that they went to soft pulls for CLI's 

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I don't recall reading any SP approval. Maybe it's possible but I woud expect a HP.

When I accepted my offer it was a HP on Experian.

[Anonymous]

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@AllZero wrote:

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@Anonymous wrote:

Thanks for the reply - the rep on the phone said it would be a soft pull but she she didnt sound to sure of herself when she said it

I know that they went to soft pulls for CLI's 

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I don't recall reading any SP approval. Maybe it's possible but I woud expect a HP.

When I accepted my offer it was a HP on Experian.

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Yeah thats what I am expecting already closed the portal lol...dont really need the additional cards anyway

[AllZero]

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@Anonymous wrote:

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@AllZero wrote:

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@Anonymous wrote:

Thanks for the reply - the rep on the phone said it would be a soft pull but she she didnt sound to sure of herself when she said it

I know that they went to soft pulls for CLI's 

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I don't recall reading any SP approval. Maybe it's possible but I woud expect a HP.

When I accepted my offer it was a HP on Experian.

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Yeah thats what I am expecting already closed the portal lol...dont really need the additional cards anyway

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Good on ya for your will power. The offer may come and go until you accept. I think I waited 6-7 months before applying.

[Doodlebug30]

@Anonymous  It's def a hard pull. I applied for my cash rewards from an offer through the portal & it was a HP on EX. I'm in New England 

[coldfusion]

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@Doodlebug30 wrote:

@Anonymous  It's def a hard pull. I applied for my cash rewards from an offer through the portal & it was a HP on EX. I'm in New England 

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This.

The only relevance to an offer extended via the Activity Center (Special Deals & Offers) is that it's a valid preapproval and not a permutation of their marketing-driven invitations to apply.     You'll still take a hard pull and there is still the possibility of denial especially if there has been a notable change in your credit profile in the last couple of months.

[M_Smart007]

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@Anonymous wrote:

Currently have the Cash Rewards and Travel Rewards showing as offers through my BofA portal

Solid APR's showing on both offers with 0% intro and 18.99% after.

Is anyone aware if Bank of America does soft or hard pulls for offers through the banking portal?

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I am not aware of SP's for BoA approvals for new CC's.

[coldfusion]

Not for a CC, although they at least used to reuse a HP for up to 30 days. No idea if they still do that or not.