Prequalify for Bank of America credit card?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
MemberSince99
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Postby MemberSince99 » Sat Dec 08, 2012 4:54 pm

Thanks guys. CC it sounds like they aren't really that bad. Is it American CS? (FIA is from what I've seen).

Maybe I'll see about them being basically the last bank I'm looking to build a banking relationship with for now. I was "pre-qualified" for their rewards card, but hey two years ago I was "pre-approved" for Amex and got declined so I know that doesn't have to mean much. It said the "pre-qualified" was good through 2/3/2013, not sure what that means? Maybe I'd go for that last card then just leave it all alone for a while (because Barclays is certain to close me down once the new cards report) and oh God I hate to say it....garden....haha Don't they have a policy like you can't get another card from them in the first 90 days I read on FICO? Would that apply to FIA as well?


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Postby MemberSince99 » Sat Dec 08, 2012 6:56 pm

djrez4, I see you have the same name on FICO. Saw one of your posts you made this afternoon over there.

Anyway, it says I'm prequalified for 3 of their cards after I looked into it in more detail, the cash rewards, travel rewards and standard visa all say "pre-qualified".

After thinking about it, I am thinking travel rewards as I don't have a travel card (none of the ones I have are meant for or particularly good for that) and I'm thinking I'm going to pull the trigger, and if I get this, that's it for me until I see some card that REALLY grabs me and I mean it would have to be out of the ordinary. This would pretty much meet all my credit needs then I could just go to the garden.....sorry couldn't resist. But that's what I'm thinking.

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Postby MemberSince99 » Sat Dec 08, 2012 7:15 pm

Went for it and got the notice that an instant decision could not be provided.

Will update with the final results, whatever they may be.

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Postby CC Deville » Sun Dec 09, 2012 7:39 am

MemberSince99 wrote:Thanks guys. CC it sounds like they aren't really that bad. Is it American CS? (FIA is from what I've seen).

Maybe I'll see about them being basically the last bank I'm looking to build a banking relationship with for now. I was "pre-qualified" for their rewards card, but hey two years ago I was "pre-approved" for Amex and got declined so I know that doesn't have to mean much. It said the "pre-qualified" was good through 2/3/2013, not sure what that means? Maybe I'd go for that last card then just leave it all alone for a while (because Barclays is certain to close me down once the new cards report) and oh God I hate to say it....garden....haha Don't they have a policy like you can't get another card from them in the first 90 days I read on FICO? Would that apply to FIA as well?


In the few times I have called them I always spoke to an American rep.

FIA essentially handles all the credit cards; for Bank of America customers it reports as Bank of America and virtually everything is branded as such (my BofA balance transfer checks hav the BofA logo but state that it is payable through FIA Card Services). FIA is used for co-branded cards that really have nothing to do with BofA. So, I would assume that what goes for FIA goes for BofA and vice versa as they are essentially the same company. I thought I read somehwere that BofA was selling off all the cobranded cards to Elan (Elan is to US Bank what FIA is to BofA) though. I guess they decided to keep a few (Fidelity)? But to respond to your question...I am not aware of a 90 day policy between accounts.

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Postby MemberSince99 » Sun Dec 09, 2012 9:10 am

Interesting, about selling off the co-branded cards to Elan. Elan has been really good to me, as they service my Associated Bank cards. I just wouldn't want all my eggs in one basket. I think the more banks you can build a solid history with, the better.

Ok cool I app'd for it. I did not get the FIA card instantly either. All they asked about when they called was who my employer was, what I did, and how long I'd been there as well as what I made. That's all they wanted to know. So maybe it's the same with Bank of America.

If I get this card, that's going to be it for a while. If I don't, I'm not actively looking but open to one more card, with a good general travel card being at the top of the wish list, the perfect one would cover hotel costs and rentals with rental primary insurance. Reason being for that is I don't see myself flying - I always hated it even before the fascists molested and harassed you at the airport, and now I would just rather drive than deal with that kind of thing. I could see renting a car so I don't run up the miles on my own. And just going where the road may lead, in a general direction to see things.

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Postby MemberSince99 » Sun Dec 09, 2012 9:16 am

One last thing about the BofA card, they did not pull TU, so I would assume it was an EXP pull as expected. I haven't verified, but I did read they tended to pull that, or sometimes TU, EQ very seldom. I know it's not TU, so I would guess EXP.

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Postby CC Deville » Sun Dec 09, 2012 5:32 pm

MemberSince99 wrote:One last thing about the BofA card, they did not pull TU, so I would assume it was an EXP pull as expected. I haven't verified, but I did read they tended to pull that, or sometimes TU, EQ very seldom. I know it's not TU, so I would guess EXP.


Yeah, they have always pulled Experian for me. But I understand that they pull TU for credit line increases.

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Postby FutureBillionaire » Mon Dec 10, 2012 1:19 pm

CC Deville wrote:Yeah, they have always pulled Experian for me. But I understand that they pull TU for credit line increases.


They have pulled all bureaus for me at one time or another.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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Postby MemberSince99 » Mon Dec 10, 2012 4:02 pm

They did pull EXP.

Interestingly, FIA ALSO pulled EXP as well as TU. I just found that out today checking EXP.

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Postby MemberSince99 » Mon Dec 10, 2012 4:07 pm

And on the subject of pulls, I see Amex softed me today, Nov. 25th, Nov 2, Oct 29, Oct 1, and then back in Aug twice as well, and it shows Amex Account Review today as well.

Kind of funny since not only do I not have cards with them and haven't in about 6 months, but I'm blacklisted. I hear they may soft you forever, kind of the once in the family always in the family kind of thing I guess. I can't imagine why they'd have any interest whatsoever in someone on their blacklist, but apparently they do.



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