Never had an issue with BOA. Applied through CK and got instantly approved for 15K. I am a BOA customer but decided to apply on CK vs BOA site due to the offer of 18 months 0% vs BOA 15 months. I applied so I can get some additonal home work stuff completed on my home and have 18 months to pay it off.
This was my very first credit card. Opened almost 3 years ago with a $400 security deposit. My Transunion was 510 when I opened this card and my income was at 20K. My Transunion is now 690 and my Experian is in the 700s and my income is now over 50K. I never missed a payment on this card and was never late at all. Always paid more than minimum or paid in full whenever I let a balance carry over. I never requested a credit line increase because I was so focused on trying to use this card responsibly to get them to graduate it to an unsecured card and return my security deposit. It didn’t matter anyway because they never once raised my limit and have continually denied my graduation request regardless of my stellar payment history with them and the fact that my financial portfolio has grown since first opening this card. 34 months of excellent payment history literally means nothing to them. I recently applied for my fourth graduation request last week after getting denied the last time in January and they denied me again so I finally closed this card, as well as my checking and my savings account that I had open with them since 2009 and IT FELT GREAT. I don’t feel appreciated as a customer with them and paying interest and annual fees on your own money is never fun. I know for a fact there are better cards and companies out here for me so I don’t think I will ever look at Bank of America as an option in anything I do going forward. Looking forward to getting my little security deposit back in the mail though :)
These reviews were written by current and former cardholders in the last year.
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Just as good as my other BoA card
I was approved for $16k instantly. 785 Credit score and $120k of available credit already across several of my cards. I've got a solid payment history with alot of diverse credit on my profile (car loans, mortgage, other cards etc, some paid off, other not). I already have one BoA card and was given an offer for the BankAmericard through BoA but it only had 15 mo of 0% interest - CK offers 18 mo. My BoA Cash Rewards card has been great, so I don't suspect this new card will be bad.
Don,t get it terrible service least little thing they will pull your credit line
Never again will I get a credit card from BofA.. All around bad service. Paid it off and went to American Express. Much happier
Excellent NEVER any issues.
0% on balance transfer for 18 mths, with fee waived. I have never had to wait long on phone. Immediately thank me for being a loyal customer over 18 year's, prior to this card. I understand everyone I speak to perfect. No issues and very easy to do business with!
How did you get the balance transfer fee waived?
THE BEST BANK TO HAVE A CREDIT CARD
IF ONE HAS A GOOD PAYMENT HISTORY, LONG YEARS BEEN A CLIENT BANK OF AMERICA DOES GIVE THE BEST BENEFICTS IN MY CASE BALANCE TRANSFERS AT A 9% INTEREST FOR 15 MONTHS AND A ZERO BALANCE TRANSFER FEE.....NO BANK OFFERS THIS INCREDIBLE OPPORTUNITY AND EXPRESSION FOR ONE BEEN A VALUED CUSTOMER.......THE BEST FRIENDLY PROFESSIONAL ON THE PHONE AGENTS LOOKING AND TAKING THAT EXTRA MILE TO REWARD A CLIENT THAT HAS BEEN GOOD IN EVERY WAY....WOW.......IT IS THE WOW BANK EVER NATIONALLY INDEED.
I have no problems
If you want to talk to a human expect a very long wait!..What I did find great was the credit limit which I never plan on coming close to maxing but it boost your credit scores!. Also the reward cash back is a good option as long as you pay off your balance each month,otherwise its a wash..my reason for the 4 stars vs 5 is because of the long wait should I want to talk to a human!..The 18 months 0 percent interest and no tranfer fees is a no brainer if you want to pay down some debt,just dont bite off more than you can chew..remember in 18 months you pay the piper!
Horrible service
I applied for the Bankamerica card to transfer some high balance cards to them as they were advertising 0% balance fee as long as I applied directly to their site. Well they sent in my first statement with the fees and contacted customer service (wait time over 1 hour) and assured that I applied incorrectly for the wrong card. After debating with them, they agreed to waive the fees but never did. Call back several times and they said there was no notes on my file indicating they will waive the fees. Once this is paid off, closing card, never gonna to swipe a thing on it and Bank of America will be just a distant memory for me. Please be aware and do your homework before applying. Check out all the complaints on BBB.
I don’t like it.
Then cancel it.
Almost 4 years with no issues
This was my first credit card and I still have to this day with zero issues. Started off with $1000 limit and it’s now at $3,000 without credit limit increase request. My score was 610 trans/equi at the time and now at 786 trans/equi. The card is nothing special but I don’t seem to relate to the issues some have mentioned here in the review section. That being said I’ve applied for other cards with more rewards and plan on keeping this card active as I mainly bank with BoA.
You can ask to have them convert it to a BoA rewards card. That gives you a good rewards card and eliminates this one that isn't special, without having to close and apply, which hits the credit score.
Bank of America as a company is not it
This was my very first credit card. Opened almost 3 years ago with a $400 security deposit. My Transunion was 510 when I opened this card and my income was at 20K. My Transunion is now 690 and my Experian is in the 700s and my income is now over 50K. I never missed a payment on this card and was never late at all. Always paid more than minimum or paid in full whenever I let a balance carry over. I never requested a credit line increase because I was so focused on trying to use this card responsibly to get them to graduate it to an unsecured card and return my security deposit. It didn’t matter anyway because they never once raised my limit and have continually denied my graduation request regardless of my stellar payment history with them and the fact that my financial portfolio has grown since first opening this card. 34 months of excellent payment history literally means nothing to them. I recently applied for my fourth graduation request last week after getting denied the last time in January and they denied me again so I finally closed this card, as well as my checking and my savings account that I had open with them since 2009 and IT FELT GREAT. I don’t feel appreciated as a customer with them and paying interest and annual fees on your own money is never fun. I know for a fact there are better cards and companies out here for me so I don’t think I will ever look at Bank of America as an option in anything I do going forward. Looking forward to getting my little security deposit back in the mail though :)
You reviewed the wrong card. This is not a secured credit card.