BankAmericard Rewards Visa® Review
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Written by: hjm331 on 2008-01-17

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hjm331's review: Callout Comment I applied for this card tonight since Eric convinced me that when BofA rolls out with a new card, they approve a lot of people. But that wasn't my case with me. I was hoping they would look at my payment history with the other card I have with them which is the Student Platinum Plus Visa. My FICO score at the time was 693 Experian.


Comment 1 by desihunk17
Bank Of America Sucks User Icon on 2008-01-17

Remarks I have many cards... Such as American Express... Citi American Express... Hooters... Paypal... And I also have auto loan with Bank of America... And always pay on time... But when I apply for this card they decline... Me... And to top this off... WHEN I APPLYED FOR THERE SECURED CARD THEY DENIED ME FOR THAT TOO... So I decide that I will close my auto loan with them... And no matter what I will not take credit card or anything from them... Dont do business with them... My score are around 710with all three bureu
Comment 2 by hjm331
Reconsideration User Icon on 2008-01-17

Remarks Desihunk, I'm going to call them tomorrow because when they denied me, there was a number on the bottom where you call them have them consider their decision on my application. I want them to look at my account history on the other card that I have with them. I don't have any late payment, don't carry a balance currently, and have received a CLI from them for $250 bringing my limit up to $1,000. I hope I can get them to approve my application despite my low score and short credit history.
Comment 3 by justin
Smart Bank User Icon on 2008-01-17

Remarks It looks like Bank of America knows exactly what they are doing. That is why they are showing a profit.
Comment 4 by hjm331
Justin User Icon on 2008-01-17

Remarks Justin, what do you mean?
Comment 5 by meya
What The! User Icon on 2008-01-18

Remarks You are officially busted. What are you doing applying for credit and you are enrolled into the credit rehab? Oh yes, we have some SERIOUS talking to do. CREDIT MEETING!
Comment 6 by eric
Sorry User Icon on 2008-01-18

Remarks Hey sorry dude... I would have thought they approve you... What did they say? Let me know via email.
Comment 7 by gk8491
X User Icon on 2008-01-21

Remarks You can convert the Student Platinum Plus Visa card to this card or any other credit card product you want. I converted my BoA student card to BoA America Express card because I am foreign and American Express charge only 1 % for transactions made in a foreign currency. ( Visa and Mastercard charges 3%)
Comment 8 by eric
Advice User Icon on 2008-01-21

Remarks I'd take Gk advice and call customer service and ask for telesales to see if we can upgrade your Visa or even add Worldpoint.
Comment 9 by hjm331
Product Upgrade User Icon on 2008-01-23

Remarks Eric and Gk, I don't want to upgrade this my student Visa because it is my second oldest credit card ever. I have a 6 month payment history with them and I have a 7 month history with my Cap1 Mastercard, my oldest credit card.
Comment 10 by eric
Hjm User Icon on 2008-01-25

Remarks They aren't going to close the account out... They are going to upgrade it.
Comment 11 by eric
Americard User Icon on 2008-01-26

Remarks Great card. You can only get if you have another relationship with B of A to get. Examples are a checking account, mortgage, or CDs. You cant have another card with b of a and have that as the other relationship. So HJM, make sure you have a checking or a mortgage with us before you apply. Thanks
Comment 12 by hjm331
Other Comments User Icon on 2008-01-29

Remarks What happened to my other comments?
Comment 13 by hjm331
Eric User Icon on 2008-01-29

Remarks Eric, I've never been through the process of upgrading/converting a credit card account? How does it work with BofA? I have had 2 checkings account with BofA along with a savings and a Student Platinum Plus Visa. My dad has had an account with them for 23 years now and have had no problems with them.
Comment 14 by columbia45
Actually... User Icon on 2008-01-30

Remarks I did not have ANY relationship with them when approved for this card in NOV 2007. However when they offer to open a checking account for you when applying online... DO IT! Otherwise they won't approve you and that is straight from the Senior customer service rep I spoke to when after getting the card.
Comment 15 by hjm331
No Problems User Icon on 2008-01-30

Remarks Columbia45, I do have a checking account with BofA so that's not going to be the problem. By any chance, do you happen to have the telephone number to the senior account manager/rep you spoke to so I can speak to someone with higher authority? I want all the correct information as I can get before upgrading my card.
Comment 16 by columbia45
Well... User Icon on 2008-03-13

Remarks I would yet everytime I give out a number for the direct credit increase dept. EVERYONE on this site starts dialing like a radio contest and THEN VIOLA!!! The number goes dead.
Comment 17 by hjm331
RE: Columbia45 User Icon on 2008-03-13

Remarks How about you send it to me in a message? Lol
Comment 18 by smcc
Get This One! User Icon on 2008-05-05


  A must have!
Comment 19 by mark
What's Your CL? User Icon on 2008-05-05

Remarks Care to elaborate on your credit limit.

as well as your FICO scores?

it will definitely help potential applicants.

Comment 20 by hjm331
Cross Your Fingers For Me! User Icon on 2008-05-05

Remarks I applied for this card after I got approved for the BofA AMEX. The reason why I want this card is because it offers 1.5 points on every dollar spent so the rewards add up pretty quickly.

I haven't heard anything from them for a few weeks so I hope I get approved!
Comment 21 by smcc
Credit Limit With BankAmericard User Icon on 2008-05-07

Remarks Have a $37K credit line with my BankAmericard.  Upgraded from a World Platinum Visa with World Points.  Credit Scores  718  713   705,    If nothing else, get it for the amount of points you can rack up!
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