"Approved After Phone Call!"
BankAmericard Cash Rewards™ Visa Signature® Card Review
Written by: patrick12 on 2013-12-20
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
patrick12's review: 
I applied for this card after my AMEX blue application and was counter offered their 99/500 card, I declined the offer and closed out my screen. Last night when I got home I got a letter in the mail inviting me to once again apply for the 99/500 card, I went ahead and called their underwriting department and spoke with a very nice gentleman and explained the reason I was calling, and didnt think I should have to secure a credit card on those terms. He agreed with me and looked over my credit report, he praised me for such an outstanding job I have been doing, and approved the application! Terms are as follows, $5,000.00 credit line, 0% for 12 months, and a variable APR of 12.99% there after, which is their best rate! He also told me my Experian FICO score was 738! It always pays to recon and try once more, in my case it worked out very well as I was already hit with an inquiry.
I applied for this card after my AMEX blue application and was counter offered their 99/500 card, I declined the offer and closed out my screen. Last night when I got home I got a letter in the mail inviting me to once again apply for the 99/500 card, I went ahead and called their underwriting department and spoke with a very nice gentleman and explained the reason I was calling, and didnt think I should have to secure a credit card on those terms. He agreed with me and looked over my credit report, he praised me for such an outstanding job I have been doing, and approved the application! Terms are as follows, $5,000.00 credit line, 0% for 12 months, and a variable APR of 12.99% there after, which is their best rate! He also told me my Experian FICO score was 738! It always pays to recon and try once more, in my case it worked out very well as I was already hit with an inquiry.
3 Comments
Comment 1 by wanderer
Re: Approved After Phone Call! 
on 2013-12-20
Awesome! Nice recon. It shows it pays to not settle for no. Good CL and you are with BOA and a great card. Your apr is top shelf.
on 2013-12-20 Awesome! Nice recon. It shows it pays to not settle for no. Good CL and you are with BOA and a great card. Your apr is top shelf.
Comment 2 by creditcardaddict
Re: Approved After Phone Call! on 2014-01-08
Great job on the recon, Congrats on the card the rewards seem great.
on 2014-01-08 Great job on the recon, Congrats on the card the rewards seem great.
Comment 3 by fallin elizabeth
High Fees on 2014-03-24
I hope this is well for you. Read the fine print.
on 2014-03-24 I hope this is well for you. Read the fine print.
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Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Bank of America®. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Bank of America®. Review content is powered by Finance Globe.
