Applied for the BofA Travel Rewards card

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MemberSince99
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Applied for the BofA Travel Rewards card

Postby MemberSince99 » Fri Jan 31, 2014 2:54 pm

I know this is kind of pushing it, but I decided to bite today and app'd for this card.


It came down to this or Discover. I was leaning towards Discover, even knowing my likely limit was probably about 1.5k or so and an increase unlikely in the near term, but what killed that was reading accounts of how in disputes they almost always side with the merchant. That just killed any desire I had for the card, as I seldom file a dispute, only a few in many thousands of transactions, but when I do it's because I'm getting SHAFTED and I want help from the card company.


I love their customer service people, I really do. I hope someday they change their policy on limits and disputes so I can get one of their cards again.


The reasoning for applying for the BofA card is to try to get another hopefully high limit card or at least one that can grow into the fold. I've come to embrace diversification, especially in light of the apparent meltdown of OCCU with the Duck Card. I have no current lender or card that I'm unhappy with, but I am seeing the value of diversification just in case. And, why not let them compete for my business, what is the harm in that? They should be happy to. And please don't take that as arrogance it's just what is supposed to be the best part of the free market.


So that's really the reasoning. I'm concerned about the Duck Card and would like to add another card capable of growth to my wallet from a major player in the industry. That assumes they approve it, so we'll see what happens. I got the 7-10 day message, but I did last time I had a card with them as well so it isn't always a decline.


MemberSince99
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Postby MemberSince99 » Fri Jan 31, 2014 8:17 pm

As expected, BofA pulled EX. I was hoping they only pulled one, and they did.

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djrez4
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Postby djrez4 » Fri Jan 31, 2014 9:14 pm

New rule:

You're not allowed to be the first reply to your own thread.
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MemberSince99
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Postby MemberSince99 » Fri Jan 31, 2014 10:14 pm

Then you should reply faster so then I can respond :)

TheLethargicAge
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Postby TheLethargicAge » Fri Jan 31, 2014 10:47 pm

MemberSince99 wrote:I know this is kind of pushing it, but I decided to bite today and app'd for this card.

I love their customer service people, I really do. I hope someday they change their policy on limits and disputes so I can get one of their cards again.


The reasoning for applying for the BofA card is to try to get another hopefully high limit card or at least


So that's really the reasoning. I'm concerned about the Duck Card and would like to add another card capable of growth to my wallet from a major player in the industry. That assumes they approve it, so we'll see what happens. I got the 7-10 day message, but I did last time I had a card with them as well so it isn't always a decline.


You gave up your bronze spade for a BofA card? Unbelievable
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

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otter
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Postby otter » Fri Jan 31, 2014 10:55 pm

TheLethargicAge wrote:You gave up your bronze spade for a BofA card? Unbelievable


I would tell 09 but she is a c--t hair away from banning me on fico...

http://ficoforums.myfico.com/t5/Credit-Cards/Barclay-s-CLD-IDIOTS/td-p/2777755/page/10
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Fri Jan 31, 2014 11:10 pm

Is she that close to banning you? I saw some really nasty posts on there and all she did was ask people to play nicely and abide by their TOS. That would suck. They really do play favorites though - their pets over there can say whatever they want but if you get on the bad side of a mod they'll get you banned.


I've decided I need a break from FICO I'm just sick of the real jerks over there being so nasty and obnoxious. I know you do it in fun otter but some of those guys are just pricks, and they get away with it. If you respond in kind to their nastiness you'll get banned.

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djrez4
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Postby djrez4 » Sat Feb 01, 2014 7:55 am

MemberSince99 wrote:Then you should reply faster so then I can respond :)


I'll be faster next time.

What's so terrible about Garfield?
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MemberSince99
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Postby MemberSince99 » Sat Feb 01, 2014 8:01 am

Garfield? Nothing that I know of....



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