Finally Preapproved by BofA

[haulingthescoreup]

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cheddar wrote:

After months of getting the "No offers at this time" message, I checked out the BofA preapproval thingy again tonight.

Preapproved for:

BofA Amex - $1500 CL - 9.9 fixed on purchases - 0% on BT for 12 months

Visa Platinum Plus - $1500 CL - 0% on everything (purchases, BT, cash) for 12 months - low to mid teens on purchases after that

BankAmericard Rewards Visa - $1500 CL - 0% on everything for 12 months - mid to high teens after that

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Hey, they finally cracked the door for me, too --identical offers, rates, CL's etc. Good --they can cook for a while. In three or four months, if they up the limits to $5K or more, one of these might become my BT card. They could be useful as a one-day card --DH has gotten two CLI's on his AAA plat plus Visa in just nine months --I think he's at around $16K now.

Don't know how much was my score jump and how much was finally coming off the opt-out list.

edit: whoops, forgot that BofA is NOT the CCC for BT's --most of their cards don't cap the BT fee. So I'll be looking for the 0% on purchases instead. whew

Message Edited by haulingthescoreup on 12-06-2007 05:30 PM

[Anonymous]

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cheddar wrote:

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dnm45227 wrote:

seems we have similiar dilima's. i too want to app delta and have the same boa offer. i resisted temptaion on the boa offer, but i have way more inq's and new accounts than you. i say go for it!

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I think I'm going to wait, as well.  I'd rather get in good with a CU first, then go for more major lenders.  BofA will always be there.

I know I don't have that many new accounts, but the more I read about Amex's and Juniper's attitudes towards new accounts and read all the AA horror stories here and on other forums, I'm beginning to get extremely gunshy about apping, because 2 of my 4 new accounts in the last 2 months are Amex and Juniper.

I like my Amex a lot, but it may have been a bit premature.  There's still some other stuff I want, and now I feel like I'm walking on eggshells.

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i agree with you on all accounts. juni shut me down earlier.

cu's have been very good to me. i'm hoping when i app delta they will continue the trend.

[Anonymous]

Well, it's been a while since I've tried it. Never got offered anything. I gave it a try and was "pre-approved" for my choice of the Amex or 2 Visa choices with $4k CL. No way! I got all excited. Got the dreaded 30 Day notice. Bummer. Checked and no inquiries on EQ or TU. EX is frozen. I thought they automatically pulled another CRA if one didn't work... Maybe I'll call tomorrow and talk to someone...

[Anonymous]

BOA seems to give the 30 day notice on most apps—and they really take the 30 days! When I applied for BOA I literally saw the inquiry on my EX within several minutes, and that is the CR they seem to pull most of the time.

[Anonymous]

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@Anonymous wrote:
BOA seems to give the 30 day notice on most apps—and they really take the 30 days!

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@Anonymous! That makes me feel better. I would really love that BOA AMEX @ $4k. The frozen EX file probably threw the system for a loop. I might have to call to get them to pull TU or EQ.