I applied with a 704 score on credit karma and was accepted for the signature card so I get all the advertised perks and a $5000 limit. However the letter I received from the card company stated my Experience score was only 660. Anyway I was approved and hoping to take advantage of the reward miles.
I've had this card for a year and it has already paid for my vacation to NYC on July1. I love the app! I have the security settings configured to alert me with any phone or online purchase, and any purchase over $20. I never keep a balance so I could care less about the interest rate. I put absolutely everything on this card and I pay the balance weekly. I have had to contact customer service one time, sure, I had to jump hoops to get the right person, but my question was answered. So I have no problem with this Bank. They have paid for my well deserved vacation to Times Square NY and I appreciate it. Pretty cool when you can use someone else's money on a daily basis and get paid for it! Have a 830 credit score and no problem getting a more than generous credit limit.
I just got the card, instantly approved online and was given the card number, expiration date, and cvv. Tried using the card online and it's not working. Perhaps I need to wait for the system to update? Then I tried calling customer service and this is where I started to lose faith in this card. I was on hold for 45 minutes for first call, 1hr 20minutes for 2nd call, and 50 minutes for my 3rd call. This is horrible. Seriously debating cancelling this card since it's too much of a liability if I need support again in the future. The 3 customer support folks I talked to was quite awful compared to Chase and Amex. First one just wasn't trained to be helpful with the failed transaction query. Second rep was trying to be helpful but after 30minutes of investigation came back with no solution or next steps. The 3rd rep was just condescending and unhelpful. I thought BoA was better than this but perhaps all the competent reps were taken by Chase and Amex. I'll fly Delta and Hawaiian and use my Chase Reserve.