"Holy Cow!"
Accelerated Rewards® Card Review
Written by: ashes on 2008-11-09
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
ashes's review: 
So I went online today and could not resist applying for a reward card that gives 1.25 points per $. Went through the application and thought if I should hit the submit button. Waited 5 minutes thinking about it and then went what the heck! Just do it. Did it, waited 30 seconds and the answer came back. It said
"Congratulations, your credit card application has been
approved with a $13000 credit line! You will receive
your credit card within 7 to 10 days and the Welcome
Package within 10 - 14 days at the address you
provided."
I just needed an Am Ex in the wallet just in case (all my cards are Visa and Mastercard) and I was very surprised at such a high limit. My scores are 750+ on Equifax and Transunion and 727 on Experian. Not sure which one they checked. I have a BofA MasterCard with a 7.5k limit. Seems like BofA are still givingout credit.
Lets see when I activate the card if they can bump me up to $20k.
So I went online today and could not resist applying for a reward card that gives 1.25 points per $. Went through the application and thought if I should hit the submit button. Waited 5 minutes thinking about it and then went what the heck! Just do it. Did it, waited 30 seconds and the answer came back. It said "Congratulations, your credit card application has been
approved with a $13000 credit line! You will receive
your credit card within 7 to 10 days and the Welcome
Package within 10 - 14 days at the address you
provided."
I just needed an Am Ex in the wallet just in case (all my cards are Visa and Mastercard) and I was very surprised at such a high limit. My scores are 750+ on Equifax and Transunion and 727 on Experian. Not sure which one they checked. I have a BofA MasterCard with a 7.5k limit. Seems like BofA are still givingout credit.
Lets see when I activate the card if they can bump me up to $20k.
8 Comments
Comment 1 by meya
Woe 
on 2008-11-09
Have to give you credit for that one because they showed you some good luv. Let us know when the card arrives and keep us informed with your overall usage of the card.
on 2008-11-09 Have to give you credit for that one because they showed you some good luv. Let us know when the card arrives and keep us informed with your overall usage of the card.
Comment 2 by ashes
Feeling Lucky on 2008-11-09
May be I should apply for Am Ex Clear :) Feeling really lucky :)
on 2008-11-09 May be I should apply for Am Ex Clear :) Feeling really lucky :)
Comment 4 by ashes
Takes Me Back on 2008-11-09
It takes me back to the days when I graduated from college in 1999 and had shot my credit for a measely $2000. In 2002, I got an apartment but I couldn't get a washer and dryer on lease because my credit was so poor. My scores were 560 then! That was when I realized I had to clean it up. Took me about 18 months to clean it all up. Have been maintaing 750+ scores for 3 years now. Bought a house, a car, multiple credit cards and now a few more. And now I am done with credit for foreseeable future. Take the inquiry hits for a year and let the accounts age. I hope to reach 800 in 2 years once the baddie on my Experian falls off in the next 13 months.
on 2008-11-09 It takes me back to the days when I graduated from college in 1999 and had shot my credit for a measely $2000. In 2002, I got an apartment but I couldn't get a washer and dryer on lease because my credit was so poor. My scores were 560 then! That was when I realized I had to clean it up. Took me about 18 months to clean it all up. Have been maintaing 750+ scores for 3 years now. Bought a house, a car, multiple credit cards and now a few more. And now I am done with credit for foreseeable future. Take the inquiry hits for a year and let the accounts age. I hope to reach 800 in 2 years once the baddie on my Experian falls off in the next 13 months.
Comment 5 by colonative
Tempting on 2008-11-09
They keep offering me this card when I log into BofA's site. Seems very tempting, but alas, I don't need it. Congratulations on your recent approvals.
on 2008-11-09 They keep offering me this card when I log into BofA's site. Seems very tempting, but alas, I don't need it. Congratulations on your recent approvals.
Comment 6 by eldarwen
Congrats on 2008-11-09
Congrats on your card! I have had mine for 2 or 3 months and like it a lot!
on 2008-11-09 Congrats on your card! I have had mine for 2 or 3 months and like it a lot!
Comment 7 by thomas1
CONGRATS!! on 2008-11-09
Congrats on your approval!! I like to see approvals like these. You thought your decision carefully, you don't apply on a whim on mutiple apps, and your credit history seems to be handled superbly.
Enjoy your card and keep up the awesome work!
on 2008-11-09 Congrats on your approval!! I like to see approvals like these. You thought your decision carefully, you don't apply on a whim on mutiple apps, and your credit history seems to be handled superbly.Enjoy your card and keep up the awesome work!
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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.
