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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 18 Billing Cycles on balance transfers made in the first 60 days
- Balance Transfer Regular APR 14.49% - 24.49%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 18 Billing Cycles
- Purchase Regular APR 14.49% - 24.49%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
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 :)
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