agp wrote:Credit unions are usually a bit more cautious with it comes to credit cards. When you are applying for a CU card expect to be asked to fax your proof of income and or some form of ID. Therefore, I would say Fidelity will be easier than Penfed.
Technically, sure, two are BofA and one is FIA. I consider them all FIA since when I have an issue I call FIA Authorizations and they handle any of the cards. I don't mess with the phone numbers on the back of the card.
Personally, I don't like the FIA website. I asked prior to getting the Fidelity if it could be managed on BofA, but the answer is no it can't be. More of a brand name clash than anything else. I wish the Fidelity or other FIA cards could be managed on BofA because that's where I have my checking accounts. The dumb part is that FIA wouldn't let me create a username that was the same as my BofA username, said it already existed, but I couldn't use it or log in to FIA with it. They are the same thing, they just don't want to have a Fidelity brand on the BofA site...stupid.
The BofA site is a easier for me to read, for one because it is sorted from newest to oldest transaction, unlike FIA you have to scroll to the bottom. Payments are easier on FIA because they are called payments, on BofA you have to make a transfer or mess around with their stupid bill pay setup which is ridiculous if you spend your CL 3-4x over in a month.
One good thing with both BofA and FIA is that they show pending credit transactions immediately, I haven't seen that on Amex, Citi or Discover.