Does anyone have experience with BOA? I saw on the FICO forum that they have a prequalified site so I just for kicks and giggles went and put in my info and it said I was prequalified for their rewards visa.
It asked what I thought of that if I might be interested or not in the card and gave me the opt out info.
I thought that was interesting as they've never contacted me. Is that based on info they have from previous softs? Or is it done on the fly? I've never seen they ever softed me (nor Citi or Chase or a lot of them actually). Seemed like with how long it took, it was pulling my credit rather than stored data like Amex does for example.
Does anyone know about this?