Prequalify for Bank of America credit card?

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MemberSince99
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Prequalify for Bank of America credit card?

Postby MemberSince99 » Thu Dec 06, 2012 12:48 pm

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?



CC Deville
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Postby CC Deville » Thu Dec 06, 2012 4:13 pm

I didn't know that they had a preapproval site.

I would guess that they pulled a soft right then and there although it is possible they used info from your FIA Fidelity Amex

MemberSince99
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Postby MemberSince99 » Thu Dec 06, 2012 9:34 pm

I actually just got approved for that today, applied yesterday. I guess it is possible they used the info from that pull.

If anyone is interested in seeing if you are prequalified here is the link:
https://www.bankofamerica.com/credit-cards/customized-offers/find-customized-offer.go?subchannel=ECVAT2


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djrez4
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Postby djrez4 » Fri Dec 07, 2012 9:12 am

When you clicked through, did it actually say "You're prequalified!"?

I just seem to get recommendations based on what type of card I tell it I want.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

MemberSince99
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Postby MemberSince99 » Fri Dec 07, 2012 10:23 am

Yes, it said "prequalified" for their rewards visa. Then for two other cards it said I might also like them or something to that effect.

Just wanted to let people know, when I applied for the FIA Amex, I was expecting them to pull EXP, but they pulled TU. I live in WI. Hopefully that info will help people here. I've never applied with BOA but I thought they tended to pull EXP from what I read, can anyone comment?

FutureBillionaire
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Postby FutureBillionaire » Fri Dec 07, 2012 11:22 am

That link directed me to sign on to my account and see offers. It then showed me info about a card I already have. They get on my nerves sometimes.
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 DavidNY » Fri Dec 07, 2012 9:23 pm

FutureBillionaire wrote:That link directed me to sign on to my account and see offers. It then showed me info about a card I already have.


Ditto. They suggested the BankAmericard Cash Rewards Credit Card.


MemberSince99
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Postby MemberSince99 » Fri Dec 07, 2012 9:57 pm

I've honestly never dealt with them, other than FIA for my 401k and now the card I got. Are they good in your opinions? I read mixed things on FICO and not much at all here about them, opinions very welcome if you wouldn't mind.

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Postby DavidNY » Sat Dec 08, 2012 9:47 am

I've been happy with FIA Card Services. I've had their BofA credit card for a long time (which was a Fleet card before BofA bought the bank).

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Postby CC Deville » Sat Dec 08, 2012 10:50 am

MemberSince99 wrote:I've honestly never dealt with them, other than FIA for my 401k and now the card I got. Are they good in your opinions? I read mixed things on FICO and not much at all here about them, opinions very welcome if you wouldn't mind.


A lot of people like to hate on BofA but I have been very happy with them. I opened my Visa Gold in 2001 and it has since been upgraded to a Visa Signature with World Points and then to a Visa Signature BankAmericard Cash Reward card. I have had 9.9% fixed since it was opened...in 2001! I opened a Visa Signature World Points in 2009 and it was later changed to a Accelerated Cash Rewards Amex-again, 8.49% variable APR since it was opened. I have no other credit cards that have their original APRs like that.

They are very transparent in my opinion and the online account management is good with up to the minute pending transactions.

They also send me sign up bonuses such as 20% back on electronic purchases, grocery purchases etc. I just received a Starbucks gift card from them for free as a thank you.

They also allow for the EMV chip on almost all of their cards. If not on the application, you can email or call them to request it. The great thing about BofA is that their employees know what the EMV chip is and it is painless (compared to Citibank) to request.

Finally, I also really like their card designs. The only bad thing I can say is that they send balance transfer checks on a weekly basis. I should get around to calling them to opt out of those.....



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