How hard is it to get a Bank of America credit card?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
silver6054
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Postby silver6054 » Sat Jan 19, 2013 10:36 pm

kcarter609 wrote:That's because you fail to see the other side of it. Guns will be in the hands of criminals no matter what the law says, since they don't care. Look at Texas's violent crime statistics, over 60% below the rest of the US because EVERYONE carries a gun there, so hardly anyone is dumb enough to try and murder/rape/whatever. Put people in a place where guns are banned and they will fear nothing and do what they please.

I don't meant this in a rude way, so don't take it that way, but you need to open your thinking on the subject a little more instead of just listening to all the liberal bull**** the media spills


You are missing MY point. I don't get it from liberal media, it's the experience of growing up in a country with a different culture, and one where a document written by a group of men over two hundred years is not considered always right or relevant today.

Re TX: From 2011 FBI figures, FBI — Table 4

Overall Violent Crime: US 386.3 per 100,000 TX: 408.5
Murder/Nonneg Manslaugher: US 4.7, TX 4.4

So MORE violent crime, and yes, doing better on murder, but not 60% less!

In Europe: File:Crimes recorded by the police - Homicide, 2003-2009.PNG - Statistics Explained

Most western european countries, with tight gun control, have homicide rates between 1 and 2.
Put people in a place where guns are banned and they will fear nothing and do what they please.
So try opening YOUR thinking to a more global level instead of believing Talk Radio crap and USA #1 cheerleading!

Or we could go back to discussing credit!


kcarter609
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Postby kcarter609 » Sat Jan 19, 2013 10:56 pm

Either way, guns will end up in the hands of criminals. Give people a way to defend themselves, it will drop. Normal law-abiding citizens that want to have them should be allowed to. Gun control is ridiculous. Alcohol kills more people per year than anything else in the US. That's legal, and they sure don't restrict it. The priorities in this country are very wacked out. Most of the big shootings in the US were done by people on heavy psych drugs, but the FDA doesn't ban them. People just need something to blame for what other PEOPLE do, so they jump to the first available thing every time.

But yes, back to credit.

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)

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amexatlast
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Postby amexatlast » Sun Jan 20, 2013 8:29 am

I shouldn't have brought up the subject or buying ammunition, lol.

Yes back to credit.
[font=Arial Narrow]Sometimes it feels like I'm the only Republican left in the Nation's Capital region [/font] :confused:

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Calipso
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Postby Calipso » Sun Jan 20, 2013 6:25 pm

Took 3 years of being declined for BofA to get approved. I only got approved after I recon'd them and it was for $2,000.

I applied for a BofA promotional offer in August 2012. They declined me. After trying to recon multiple times on the phone the manager flat out told me "Bank of America feels that $2,000 is enough for a customer in a position such as yourself." Keep in mind I had 10% utilization and no lates or negative info on my reports.

They are as stingy as capital one. Later in August I called up and canceled the card I had and closed my bank account with them.

Plenty of better lenders willing to work with you. Bank of America will never get me as a customer again.
My Limits:
NFCU NavCheck: $15,000/NFCU Platinum: $11,500/NFCU nRewards: $8,000
Chase Freedom: $6,500/Chase Slate: $6,000/CSP: $5,000/Marriott Rewards Primier: $5,000/United MileagePlus Explorer: $5,000/Southwest Primier: $3,000
Citi Hilton HHonors: $9,700/Citi Simplicity: $8,200/Citi Forward: $5,500
AMEX Blue Cash Everyday: $8,000/SPG AMEX: $5,000/AMEX Everyday: $5,000/AMEX Delta Skymiles Platinum: $3,400
Discover IT: $7,700
Barclay's NFL Extra Points (Carolina Panthers): $5,000
DCU Platinum: $3,000
RTN FCU CC: $2,000
CCCU Platinum Rewards Visa: $2,000

Current total limit: $129,500

Sevenfeet
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Postby Sevenfeet » Sun Jan 20, 2013 6:56 pm

I'm new here and please don't be offended but I read your post and then looked at your "My Limits" in your sig. You have $89,700 in available credit spread out over 21(!) different products. Is it possible that BofA just did a hard pull of you and said "You've gotta be kidding me! Why does he need this, he's just card collecting!" I mean, I got a BofA card in 2008 and got approved for $10K immediately...and it was my third card. I now have a total limit of $45K on two cards...$85K if you throw in my Amex high. Is it possible that just having that much different plastic out there makes it harder to get new stuff, especially from a new financial institution?
Cards:
American Express Platinum (NPSL)
Penfed Platinum Reward Visa ($28K)
Chase Freedom Visa ($25K)
Fidelity American Express ($20K)
American Express Blue Cash Preferred ($20K)
Bank of America Cash Rewards MasterCard ($20K)
Citi Thank You Preferred Visa ($9.5K)
Chase Sapphire Preferred ($7.5K)
US Bank Cash + Visa Signature ($7K)
Discover IT ($4K)

MemberSince99
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Postby MemberSince99 » Mon Jan 21, 2013 1:59 pm

kcarter609 wrote:That's because you fail to see the other side of it. Guns will be in the hands of criminals no matter what the law says, since they don't care. Look at Texas's violent crime statistics, over 60% below the rest of the US because EVERYONE carries a gun there, so hardly anyone is dumb enough to try and murder/rape/whatever. Put people in a place where guns are banned and they will fear nothing and do what they please.

I don't meant this in a rude way, so don't take it that way, but you need to open your thinking on the subject a little more instead of just listening to all the liberal bull**** the media spills


I don't have a problem with guns. I own one - a 9 mm semi auto police style S&W. I do however completely fail to understand why there is a legitimate need for people to have assault weapons. Unless you are going to bust in on a drug dealer's pad, unwise at best unless you're the cops and it's dangerous even for them, what is the need for these weapons? No one has yet explained a satisfactory need for us to be walking around carrying machine guns with thousands of rounds of ammo. Why not grenades too, or flamethrowers?

I just don't see a need for civilians to arm themselves with military weapons. I have no issue with hunting, or with reasonable weapons for self defense, but walking around with modern day tommyguns just seems foolish.

You could even argue it's asking for trouble with people carrying weapons in their cars. In Texas you get a lot of road rage, I know this for a fact as I lived there for 18 months, and I heard stories of people pulling out their weapons and settling the issue that way instead of the usual flip offs and so on. It's one thing, though regretable, to pull over and try to beat up some guy over something stupid (and it always is something stupid), and it's another thing to settle the matter permanently. You can't undo that and you will regret it, just as we always regret even flipping off others and so on later when we have calmed down.

MemberSince99
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Postby MemberSince99 » Mon Jan 21, 2013 2:15 pm

Sevenfeet wrote:I'm new here and please don't be offended but I read your post and then looked at your "My Limits" in your sig. You have $89,700 in available credit spread out over 21(!) different products. Is it possible that BofA just did a hard pull of you and said "You've gotta be kidding me! Why does he need this, he's just card collecting!" I mean, I got a BofA card in 2008 and got approved for $10K immediately...and it was my third card. I now have a total limit of $45K on two cards...$85K if you throw in my Amex high. Is it possible that just having that much different plastic out there makes it harder to get new stuff, especially from a new financial institution?


I've kinda done some card collecting in my day. In the last year I've closed 12 cards. I currently have 7 open. I never had more than 10 at any given time. So I've gone from some to others as I wanted to.

The way I see it, they have a chance to earn your business, the same as everyone else out there. Of course they have to decide if they WANT your business. And BofA did not seem to want his, but I don't see that as a strike against him. Why not get the best deal you can as a consumer? When corporations source things, you can bet your bottom dollar they go for the best deal they can get for themselves. It's no different as consumers and there is no reason we should not strive to let them compete for our business as this benefits us. It's what capitalism is supposed to be about.

Anyway, I checked the BofA pre-qualifier site late last year, and found I was pre-qualifed for their cards (3 of them) so I applied, got the same message he got, assumed it was a denial (with Citi or especially Chase 95 or more percent of the time it would be) and then got the message from CK that a new BofA account was reporting about 10 days later. So you never know. They gave me a 5k limit after I got 10k with FIA a bit earlier.

It seems as always YMMV with these companies. They all seem to have different criteria on how they rank us. For example, BofA must like my profile, as did Amex, while Citi must view me roughly somewhere between their opinion of Hitler and Stalin as I've been declined for every card I applied for with them (and it's more than once or twice). I'm sure they all set their own underwriting criteria, and you just never know where you might stand with them until you apply.

Robrus1
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Postby Robrus1 » Mon Jan 21, 2013 2:33 pm

MemberSince99 wrote:You could even argue it's asking for trouble with people carrying weapons in their cars. In Texas you get a lot of road rage, I know this for a fact as I lived there for 18 months, and I heard stories of people pulling out their weapons and settling the issue that way instead of the usual flip offs and so on. It's one thing, though regretable, to pull over and try to beat up some guy over something stupid (and it always is something stupid), and it's another thing to settle the matter permanently. You can't undo that and you will regret it, just as we always regret even flipping off others and so on later when we have calmed down.


That's no joke about the road rage here in TX. I don't flip people off anymore because a drunk guy with a .45 shot the side and back of my suv I had at the time as I accelerated from a red light through an intersection. One of the rounds missed my head by about 2 inches. My road rage days are done.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

AMEXAT19
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Postby AMEXAT19 » Mon Jan 21, 2013 3:33 pm

I have had great success why BOA, in 2010 at the age of 18, I started with a Student Platinum Plus Visa with a $700 CL, the following year my CL was increased to $2000, just recently this year now 20 years old, I hold a BankAmericard Cash Rewards with a $4,000 CL and 11.99 interest rate.

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Snowman
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Postby Snowman » Mon Jan 21, 2013 4:55 pm

Robrus- Damn! that's why when I drive I try to stay out of other people's way (yes, I am a speed limit driver, so they can honk at me all they want, but it doesn't mean I'm going any faster.) I was talking to a friend of mine that lives in Texas and he was telling me that he was coming home from a party one night and cut off this large truck. So anyways the guy in the truck speeds up and cuts off my friend and a few minutes later flashes a handgun out the window (my friend says the driver of the truck was making a shooting motion.). My friend drove home as fast as he could and I'm pretty sure he doesn't cut people off anymore. Another story, I was going down to USC to visit a friend of mine (for those of you familar with LA, it isn't the nicest area) and so I was in a bit of a hurry and I ended up cutting off another driver, and the driver I cut off started following me (at this point I was a bit nervous since I didn't that a black-colored car was following me for the last 10 miles) so I ended up driving around and I found the closest LAPD station and pulled into their parking lot and thankfully the guy who was following me got the message. Lesson learned: don't cut off anybody on the freeway.

Anyways- I have been with BOFA for a little over 2 years and they have been good to me so far, so I don't understand why their is so much dislike and hate for them. I have heard Wells Fargo and Chase are worse.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.



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