Solicited in Line at the Bank?

Anonymous · ‎04-13-2008

Just to share my experience with being solicited by bank tellers...

I was in line at BoA making a deposit and the teller said I was pre-appoved for a 2500 line with 0% balance transfer and 0% cash advance for a year...and I was like, "um...not right now" and he named off all the benefits of the card and we being kind of forceful...I kept declining, finally he said, "Okay, but is it okay if we offer you this in the future?"

So I said that was fine, thinking they would just send me something in the mail. So he calls me about about 4:30 p.m. before the bank branch closed and left me a voicemail telling me the call him as it was important. I called him and he told me I should apply now or the offer may expire, so I caved in.

This is such a tacky practice, don't you think? Soliciting me in line at the bank...and then leaving me a voicemail on my cellphone to get me to apply for a credit card? Sooo tacky.

Anonymous · ‎04-13-2008

BoA has done that to my mom. And she wound up inadvertently getting 2 different CC and she didn't realize she even applied for them. In fact, she only learned that they helped her apply for TWO CC instead of the ONE she thought after she signed up for SW and reviewed her report.

She has since closed both cards.

Anyway, I do find that rather predatory. Worse than going after college kids on campuses I think.

Anonymous · ‎04-13-2008

hmm. so it's official. BOA has undertaken a new CC marketing strategy.

Anonymous · ‎04-13-2008

Well, they know you're in a rush as you're running an errand. It's easier to say no to someone over the phone, but in person they can turn on the charm and smile. Sometimes you can't help but say yes. Predatory. That's a good word to describe it.

Anonymous · ‎04-13-2008

Huh. They're always trying to get me to get one of their CDs, but never a CC.

Wonder what the difference is...

Anonymous · ‎04-13-2008

watchnerd wrote:
Huh. They're always trying to get me to get one of their CDs, but never a CC.

Wonder what the difference is...

CDs are so crappy anyway...rates are incredibly low. You're better off investing in a mutual fund or index funds.

Anonymous · ‎04-13-2008

The last time I was in the bank (BofA) they did the same to me. It resulted in an upgraded card (to worldpoint rewards), CLI (from 7,500 to 15,000), and no inquiry. SWEET!

Anonymous · ‎04-13-2008

Only 11 more months until my secured BofA gets graduated and they can start soliciting me! Woohoo!

I understand why it may seem tacky, but I think it'd be flattering to being tagged in their computer systems as good enough for _______ offer, and good enough for them to actually verbally offer it to you in person instead of sending you mail that might be chunked out with the other preapp mailings.

MidnightVoice · ‎04-13-2008

TheCynicalOne wrote:

I was in line at BoA

people still actually go into banks?

Message Edited by MidnightVoice on 04-13-2008 02:55 PM

The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid

Anonymous · ‎04-13-2008

MidnightVoice wrote:

TheCynicalOne wrote:

I was in line at BoA

people still actually go into banks?

Message Edited by MidnightVoice on 04-13-2008 02:55 PM

only when i'm packing!