Credit karma showed that I have a fair approval odd. I have a 623 Experian credit score and when I applied I got approved $3500. I also have one collection account still open.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Billing Cycles on balance transfers made in the first 60 days
- Balance Transfer Regular APR 13.99% - 23.99%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 12 Billing Cycles
- Purchase Regular APR 13.99% - 23.99%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
This is my first and only card for past few years, since im doing all my banking with them, why go anywhere else. I was so wrong... I started off with $1000 CL, I submit a credit line increase every 6 months and I was up to $25k. When I brought my house last year, I charged all my new house expenses (washer, dryer, wood flooring, landscaping, window treatment...) on this card. With all the reward I saved up. It's perfect for a new TV. When I'm ready for TV shopping, I'd got a letter from them and stated my Visa account are being closed due to all the unusual activity with my account and they consider I'm a risk to the bank. And the very worst thing was all cash reward were gone, "forfeited" is the term. I call and spoke to every single soul at the customer service, supervisor, and managerment. I explain the situation to them and offer pay the entire balance at once. Unfortunately, According to them nothing they can do once account are closed, so is all the cash reward. I question them why wouldnt they contact me first or at least give me a chance to explain what's going on? All I got was they were sorry. I paid of the Visa card the very next statement and closed all my account with them. This is a true story and thats how BoA treat a loyal customer.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from June 2014 through November 2014. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.