BoA PC

For just about anything you want to get off your chest about credit cards.
Tubpbs
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Re: BoA PC

Postby Tubpbs » Wed Nov 04, 2015 9:24 pm

gregshelley@scrtc.com wrote:I just was approved for a Credit limit increase from $1500 to $5000 on my BOA cash rewards Visa, wanted to make it a Sig since it meets the $ amount to qualify, it was like pulling teeth, but I recon they are finally doing it suppose to get new card in 2-4 weeks, and may even be a different card #


I've had this card for almost ten years at this point. My limit started at $800 or $900 but has been in the Visa Signature range for at least 6 years or so. They don't seem particularly interested in being reasonable. Granted, I haven't tried in quite a while with any real effort, but it would seem that they would be less likely now to work with me given that I no longer spend any money on the card and the last time I tried I was spending solid 1-3K+ a month on it.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It


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Vattené
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Re: BoA PC

Postby Vattené » Wed Nov 04, 2015 10:08 pm

Is it costing you anything to keep the account open (like an AF)?
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

Tubpbs
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Re: BoA PC

Postby Tubpbs » Wed Nov 04, 2015 10:32 pm

Vattené wrote:Is it costing you anything to keep the account open (like an AF)?


No. Not at all. It's just unfortunate that it's useless for the most part. It's my oldest card and account so I'd like to keep it around but not only because of that...but if that's the only reason, it'll have to do.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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Vattené
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Re: BoA PC

Postby Vattené » Wed Nov 04, 2015 10:51 pm

That does suck, but at least you can keep the account open without costing you anything. Hopefully you'll eventually be able to PC it to something useful!
-Vattené
FICO-8:
EX - 809 (11/16) | TU - 803 (11/16)
Primary Cards:
American Express EveryDay - $20,000 (10/14)
Discover it - $23,000 (2/14)
AU on Barclay Sallie Mae - $10,000 (8/15)
plus several store accounts of varying usefulness now

gregshelley@scrtc.com
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Re: BoA PC

Postby gregshelley@scrtc.com » Fri Nov 06, 2015 6:21 pm

I like the steady 3% CB on Gas purchases.
Discover it $3k
BOA CR Visa Sig. $18K
Chase Freedom Visa $2K
Chase MRP Visa Sig. $5K
Cap 1 Vent Visa Sig. $13K
Citi HH Visa Sig. $8.5K
AMEX Plat NPSL
AMEX BCP $20K
AMEX Gold Delta SM $8K
BC AR + WEMC $3.5K
Cap 1 Spark Busin Visa $2K
Chase Ink Cash Busin Visa Sig. $5K

Tubpbs
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Re: BoA PC

Postby Tubpbs » Fri Nov 06, 2015 6:54 pm

gregshelley@scrtc.com wrote:I like the steady 3% CB on Gas purchases.


I have BCP. The cash rewards is virtually as useless because of the other cards that I have but it is still better than no rewards of any kind.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: BoA PC

Postby CarefulBuilder14 » Fri Nov 06, 2015 7:07 pm

If you can use MRs well and hit 30 transactions, EDP offers a much better value than BCP. Those conditions are not trivial ones, though.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Re: BoA PC

Postby Tubpbs » Fri Nov 06, 2015 9:17 pm

CarefulBuilder14 wrote:If you can use MRs well and hit 30 transactions, EDP offers a much better value than BCP. Those conditions are not trivial ones, though.


I meant the BoA cash rewards card is basically the same as my BankAmericard because it will still have my weakest return on its strongest categories.

I have considered the EDP but I do not think I would be able to get to 30 transactions or even close.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It

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CarefulBuilder14
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Re: BoA PC

Postby CarefulBuilder14 » Fri Nov 06, 2015 9:20 pm

Tubpbs wrote:
CarefulBuilder14 wrote:If you can use MRs well and hit 30 transactions, EDP offers a much better value than BCP. Those conditions are not trivial ones, though.


I meant the BoA cash rewards card is basically the same as my BankAmericard because it will still have my weakest return on its strongest categories.

I have considered the EDP but I do not think I would be able to get to 30 transactions or even close.

They don't have to be big transactions...
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Tubpbs
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Re: BoA PC

Postby Tubpbs » Fri Nov 06, 2015 9:25 pm

CarefulBuilder14 wrote:
Tubpbs wrote:
CarefulBuilder14 wrote:If you can use MRs well and hit 30 transactions, EDP offers a much better value than BCP. Those conditions are not trivial ones, though.


I meant the BoA cash rewards card is basically the same as my BankAmericard because it will still have my weakest return on its strongest categories.

I have considered the EDP but I do not think I would be able to get to 30 transactions or even close.

They don't have to be big transactions...


I know but it's still a lot for me. I could easily do it intentionally but that's a pain to some degree. I also don't want too many more cards. I don't particularly intend to open any cards that I don't theoretically want to keep long term.
Amex - BCP, Platinum, Business Gold
BoA - BankAmericard Cash Rewards
Chase - Freedom, CSP, RC, Ink Plus
Citi - DC, Prestige
Discover - It



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