Went to BOA website and tried the pre-qualification form and I was given this card as the best option for being approved. I applied and was approved instantly. C Karma odds were poor...I was approved with a good credit line
I have a BofA credit card that get's monthly use, is always paid on time, and carries no balance. For the last month, BofA has been emailing me pre-screened offers, about 3 a week, asking me to apply for this new 'customized cash rewards' credit card. I finally applied (my credit score is excellent with no negative reporting, and I'm prescreened, so why not?) DENIED, is why not. Now I have a pointless hard pull on my credit report, harming my score. BofA: Don't barrage customers with prescreened offers if you're regularly denying applicants who have excellent credit.
Not sure how I got approved but this card is awesome! I have been building my credit for a year and I have okay credit just paid off some things so that may have helped. Credit karma warned my approval odds were low but I got an offer in my email and took a chance. I’m so happy with this card and I got 200$ for spending 1k on it and I get decent money back depending on what I use my 3% cash back on
I will always put BOA first .. I have been with them for a while...love this bank. This was the first card from them.I do have a relationship with BOA ..I have this card for a while ...Great Credit line ..Most of my family are with Boa...Again love this Bank..
I accidentally made a double payment because I never received any confirmation that my first payment was made. Their website is poorly created, so it is often unclear if you've submitted payment (sometimes I receive an email, other times I don't). I called immediately to reverse 1 of the transactions once I saw this happened. The representative said he would reverse it and to expect my money back within 10 business days (seems like an unreasonable amount of time to wait, but I realized it was technically my fault). After 11 business days, I called back and found out the reversal was never made. I was told to wait ANOTHER 10 business days to get my money back, despite them making the mistake. I am writing this review as of 22 business days later, and am still out on my money (it was a large sum). I totally regret getting a card through BOA. This company is beyond frustrating.
I used to have a bank account and I decided to apply for this card. The worst thing about this is that it is impossible to talk to a representative. In addition, an old man who did not know how to write my name on the card helped me. I ended up closing this account because it is impossible for them to do things correctly. They take a long time for a simple card
Boa can charge u twice . Finally you found it and you tried to get back your money. The customer service said it need more than 20 business days! You also found that they wouldn’t give you 200 dollars cash rewards quickly. But another banks they did it so fast.
I already have this, it's a nice card with good rewards,
You would think having spent responsibly for years, only having one credit card (an Amex, I might add), making payment on it on time, building a credit to 750+, would be enough to be approved for an intro card like this. But not for BoA. Apparently, they only want you if you will not be able to make your payments monthly, so they can get as much money as they can from you. If you are applying for a first time card, I would stay away from this. They had an 'counter-offer' of a 29% apr each month, with no 0% intro rate and 500$ credit limit. Ridiculous! What a terrible offer, designed to get as much money as they can from those who can't pay off their card each month!
I've been with Bank of America since 2001 and I had previously applied for a CC when I was told I had excellent chances in getting athe card I was sent info on but that happened 3 times and I was furious because I was declined. 2 years ago I got another request and I wrote back telling them I did not want it that all they would do was reject my inquiry and for them to STOP sending me the requests and also when I went to the bank they asked me if i wanted to apply I told them the same every time my first score was over 700+, the last time they sent me a pre-approval I thought to do it and I was finally approved. I was approved for 5,500. Now I was sent another for another card, I'm kinda thinking to submit it but not to sure. Finally after after being a customer for 20 years. The reason I was mad was because other banks I had not done business with approved me.
it's useless
I applied when I was 18 and I got it with a 500 limit. Now I have a 2000 limit m. It is good I didn’t have to use bill pay because I just sent payments over after I use it or before it’s due I’ll just make transfer the fees via Zelle. I don’t know why someone would complain about this card the only way I’m thinking if is they don’t know how to use it and pay it on time
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