Wow! BOA impresses me again!

[FinStar]

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@enharu wrote:

nice to know their customer service is improving. They've been flooding my mailbox with preapprovals as well, which makes this even more tempting.

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This is true, as compared when they gobbled MBNA and NationsBank...vastly improved... The introduction of their Cash Rewards and Travel Rewards programs and improvements in the customer experience has put them on a good competitive front.   Which products are you considering enharu?  My temptation is reserved for the Merril+ Visa Sig for next year.

[enharu]

They've been sending me pre-approvals for the Cash Rewards, but I'm mostly interested in the Privileges or the Merrill+. I thought of applying for both next month, but figured I should just spread things out if I do get them. I'm still undecided as to what cards I really want to get. 

What's your recommendation?

[youngandcreditwrthy]

Ive never done biz w them til now.
I always got denied credit by them in the past, and last time I got denied, I had 672 exp in Jan 2012 IIrc. I called recon ; it was one of the first recon calls I ever had. The lady was mad I got a hold of her and told me my score didn't matter but that I was denied pure and simple bc of a (later removed) disputed fraud $280 TXU PAID CO from 2005. Lol- 7 years old. Haaaaa. Okay.

Things have changed now :-) I'm sure all the regulation and lawsuits have had an impact. PLUS you want customers happy!!:-)

[FinStar]

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@enharu wrote:

They've been sending me pre-approvals for the Cash Rewards, but I'm mostly interested in the Privileges or the Merrill+. I thought of applying for both next month, but figured I should just spread things out if I do get them. I'm still undecided as to what cards I really want to get. 

What's your recommendation?

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I have the Privileges Cash Rewards...but I'm gonna lean toward the Merril+ for the no FTF since the Priviliges has a 3% FTF (comes with an EMV Chip tho).  It also has a $75 AF, which can be waived if you park $50K in your BofA checking/savings or CMA with Merrill Edge/Merrill Lynch WM.  You get the same 1/2/3 reward structure (capped at $1,500 per Qtr) like the standard 1/2/3 but you also get a 50% customer bonus when you redeem the CB into any of your BofA accounts or any of your CMAs with Merrill Lynch.  But next year I'll be adding the Merril+ for sure.

[kayvee_]

Dang this is making me want to app for the 1-2-3 card!!!! 

[FinStar]

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@kayvee_ wrote:

Dang this is making me want to app for the 1-2-3 card!!!! 

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Are you in the garden? or thinking about it?  It's a great BofA product.

[CreditScholar]

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@FinStar wrote:

You will LOVE them for sure young.  I have 3 of their cards (eventually adding a 4th one next year) and their service has been awesome.  They will go out of their way to provide feasible solutions and to make the service experience a memorable one.   

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Now if only they had better travel cards... =/

[kayvee_]

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@FinStar wrote:

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@kayvee_ wrote:

Dang this is making me want to app for the 1-2-3 card!!!! 

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Are you in the garden? or thinking about it?  It's a great BofA product.

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I'm trying to garden...i just got the Better Balance card and a Dicks Sporting Goods card this summer. I just had a few inquiries hit the one year mark and I have two cards getting ready to hit the 10 year mark. 

trying to be good!!

[enharu]

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@FinStar wrote:

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@enharu wrote:

They've been sending me pre-approvals for the Cash Rewards, but I'm mostly interested in the Privileges or the Merrill+. I thought of applying for both next month, but figured I should just spread things out if I do get them. I'm still undecided as to what cards I really want to get. 

What's your recommendation?

---

I have the Privileges Cash Rewards...but I'm gonna lean toward the Merril+ for the no FTF since the Priviliges has a 3% FTF (comes with an EMV Chip tho).  It also has a $75 AF, which can be waived if you park $50K in your BofA checking/savings or CMA with Merrill Edge/Merrill Lynch WM.  You get the same 1/2/3 reward structure (capped at $1,500 per Qtr) like the standard 1/2/3 but you also get a 50% customer bonus when you redeem the CB into any of your BofA accounts or any of your CMAs with Merrill Lynch.  But next year I'll be adding the Merril+ for sure.

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the 3% FTF for the Privleges card is a bummer, but that card can still somewhat be of some use. 

The Privileges Travel version has no FTF right? It does not show up on BofA's website, but some said it's still available for BofA customers with >50k in deposits?

I am very interested in the Merrill+, but it's hard to find out specific info of what the PLUS tier entails. Only info I've been able to find are all pretty vague.

[FinStar]

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@CreditScholar wrote:

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@FinStar wrote:

You will LOVE them for sure young.  I have 3 of their cards (eventually adding a 4th one next year) and their service has been awesome.  They will go out of their way to provide feasible solutions and to make the service experience a memorable one.   

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Now if only they had better travel cards... =/

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I totally get ya CreditScholar... they do tend to fall somewhat short when compared to the CSP or the United MP Club.  You have a unique BofA one (Privileges with TR) that not many folks have.  I reckon this is your back-up CC in case Chase experiences some network issues or the like?