I have had this card for about 7 months and I love it. I pay early and do everything online. I have a credit score of 800 and was just curious if I would be accepted when I applied. It only took about 4 minutes and was approved. Love this card.
On Credit Karma, it says I have excellent chance approval. I have 768 score. I was declined. So now I have hard-hit on my credit. Thanks, Bof A and Credit Karma.
Excellent approval odds according to credit karma, 750+ credit score, still denied.
I applied because they advertised balance transfers. Big deal they gave me a stinking $2000 credit line. I had excellent credit 800+ once they gave me the hard hit it fell 100 points if I knew this and the small line, I never would have applied!!
Everything from the application process to the mobile app was bad.
WAS SURPRISED TO GET 14K , BUT THATS IN LINE WITH THE OTHER MAJOR BANKS AND THE LIMITS THEY HAVE EASILY GIVEN , BUT I WILL BE REALLY CAREFUL WITH THIS ONE CAUSE SOME OF THE REVIEWS ARE SCARY. , WE ARE DISCOVER AMEX AND US BANK AND CHASE LOYAL PEOPLE ,IS WAS HARD TO APPLY FOR THIS BECAUSE OF CITI AND BOA HORROR STORIES. WE DONT NEED ANY NEW BANKS IN OUR LIFE, BUT THE BALANCE TRANSFER RATE IS PERFECT. NOW IF THEY TRY ANY FUNNY BUSINESS I WILL PAY IT OFF AND KILL THE CARD
Comes up as a great recommendation and excellent approval odds and then get denied. I have good credit and got denied. So basically you apply and they deny you which messes your credit up. WOW!!
BUT I GOT DECLINED even though with the review for high approval rate and high credit score
Opened an account and transferred a balance successfully. About a month later, they closed my account with no notice. I called, and they will only tell me to go to a financial center more than 100 miles away to open a new account. Unknown what will happen to my current balanced that was transferred.
So dumb. Chances of approval excellent but nope big fat you are denied.
This card is awful. The app won’t load any of my details, the customer service never called me back. Not even sure if my card is open. Wanted to do a balance transfer and it hasn’t happened. I can’t log into any computer or phone to get access to my account therefore unable to pay on the balance transfer. WORST CARD EVER.
I was more or less told by the BoA person I would be approved and with good history would be increased periodically...it never happened. The card sits unused in my wallet and will remain so.
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