I had someone hack into my walmart.com account, where i had this card setup along with chase sapphire. The chase transactions went through without any roadblocks, but boa dutifully alerted me suspecting fradulent transactions through text messages. It made me reply "YES" or "NO" to confirm authenticity. Once i replied "NO", the transactions were blocked and my card was restricted. Then i logged on to the website, i had an option to block the current card, and a new one issued. Breeze, compared to chase ,where i had to spend 20 minutes with customer support to do the same.. No tthat it was bad, but the process in BOA is far better.. Their cashback deals are also good once in a while.
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 16.24% - 26.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 12 Billing Cycles
- Purchase Regular APR 16.24% - 26.24%* Variable
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Be prepared to have them lock your card multiple times without notifying you until your standing in line with a cart full of groceries at checkout. My wife and I have excellent credit and account is and was in good standing. Apparently BOA fraud thinks that grocery purchases are suspicious. It takes 6 months before they can learn your spending behavior. Until then you will be blocked without warning then have to spend over an hour on the phone only to re verify your identity to each of the 5 customer service representatives who you speak to. The will provide you with mis information more than once, and play phone games laughing at the situation offering no resolution. To me a credit card that you can’t use for daily purchases is useless. Unless you want to call BOA and sit on hold for hours to ask permission to buy something.
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