"Approved But Not Notified"

Bank of America® Accelerated Cash Rewards™ American Express® Card Review
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Written by: knexx on 2011-09-24

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knexx's review: Callout Comment I applied for this card sometime 2 weeks ago, I got a notice that my application would have to be reviewed by an account specialist. I figured I wouldn't be approved, not sure what my credit score but it isn't bad. I applied for the PenFed Platinum Rewards card twice this year and have been denied. But I go and check my Bank of America account online, and there it is, the AmEx is listed as one of my accounts with a $7500 CL! I still haven't received a notice yet, and have no clue what my APR will be. Scores: EX 728 EQ 728 TU 712


Comment 1 by kdb030609
Re: Approved But Not Notified User Icon on 2011-09-24

Remarks Congratulations on the approval !!! That is a nice credit limit ! I have the same card and the rewards are pretty good . I've experienced the same thing with them in the past. Once last year when I checked my account online. They had upgraded my Visa to a Signature Visa. This year they offered an upgrade to the AMEX Accelerated Cash Rewards. Since the rewards are pretty good I decided to let them change it. They've upgraded my card at least three times since I opened the account. I will say one thing they've done before I didn't like. Was when they changed my checking account without telling me. It was like an automatic upgrade. Which they denied they did it without my approval when I called them. We still have to be cautious with all these banks.
Comment 2 by kiejon9
Re: Approved But Not Notified User Icon on 2011-09-25

Remarks Congratulations on the approval
Comment 3 by knexx
Re: Approved But Not Notified User Icon on 2011-09-27

Remarks Ok, I received the card and the agreement which states after the 12 month 0% intro period my APR will be 18.99%. Ouch, well I plan on paying my balance off in full every month.

So at the moment I have

Discover More - 2500 CL(3 yrs old)
BOA Amex Accelerated Rewards - 7500 CL (new)
Capital One Platinum - 1250 CL (10 months old)
Instant approval for Chase Freedom Visa, unknown CL at the moment.
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