"My Days Are Getting Better."
Bank of America® Platinum Plus® Visa® Card Review
Written by: carlock4 on 2008-02-07
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
carlock4's review: 
I applied for this card today and was approved with a $6300 CL. And 8.99% variable APR. I will keep an eye on this to make sure I get the 0% apr promotion as promised. Very good card with a good bank, especially compared to where I started.
I applied for this card today and was approved with a $6300 CL. And 8.99% variable APR. I will keep an eye on this to make sure I get the 0% apr promotion as promised. Very good card with a good bank, especially compared to where I started.
12 Comments
Comment 1 by hjm331
Congrats! 
on 2008-02-07
Congrats on your new Bank of America card. I have the student version of this card but not a high CL. I only have a $1k CL on mines but BofA is definitely my favorite bank to work with. They definitely know what they are doing. They report to all 3 CB's every month and are helping me build my history.
Check this out, once your account gets to be around 2-3 years old, you should upgrade to their AMEX card but if you have a high CL around that time, then you should keep it because a high CL is one of the reasons that your FICO score will increase.
on 2008-02-07 Congrats on your new Bank of America card. I have the student version of this card but not a high CL. I only have a $1k CL on mines but BofA is definitely my favorite bank to work with. They definitely know what they are doing. They report to all 3 CB's every month and are helping me build my history.Check this out, once your account gets to be around 2-3 years old, you should upgrade to their AMEX card but if you have a high CL around that time, then you should keep it because a high CL is one of the reasons that your FICO score will increase.
Comment 2 by ash
Re: on 2008-02-08
Congrats on your new card, feels good to move up to prime!
Nice Limit:)
on 2008-02-08 Congrats on your new card, feels good to move up to prime! Nice Limit:)
Comment 3 by meya
Wow on 2008-02-08
Way to go. What was your scores when you applied for this card? This is a nice limit carlock!
on 2008-02-08 Way to go. What was your scores when you applied for this card? This is a nice limit carlock!
Comment 4 by carlock4
Scores on 2008-02-08
I am not sure what Fico scores are but Fakos are in the 630-660 range.
on 2008-02-08 I am not sure what Fico scores are but Fakos are in the 630-660 range.
Comment 5 by ash
Re: Oh Carlock? on 2008-02-08
You've got to know what your FICO's are! I think this is crucial. Go to myFICO.com and you can sign up for a promo or just a quick 3 in 1 pull. Also if you know what report BOFA pulled you can pay for that one to compare. You very well could have a 700 something score!
Fako scores are the ones you get from mycreditkeepr.com, true credit, etc. The ones that banks pull are your Fico scores. Check out the Finance forum, there is plenty of info... I think porgy has a manual on this hehehe!
on 2008-02-08 You've got to know what your FICO's are! I think this is crucial. Go to myFICO.com and you can sign up for a promo or just a quick 3 in 1 pull. Also if you know what report BOFA pulled you can pay for that one to compare. You very well could have a 700 something score!Fako scores are the ones you get from mycreditkeepr.com, true credit, etc. The ones that banks pull are your Fico scores. Check out the Finance forum, there is plenty of info... I think porgy has a manual on this hehehe!
Comment 6 by meya
U R Correct ASH on 2008-02-08
Hey carlock, I agree with Ash, please go to myFICO and get an acutal FICO becasue I believe your scores are higher than this. BOFA is pretty strict with their cards and you received an approval. Yes we do have good posting on the acutal Fico scores from Porgy. I can think of two
1. FAKO's vs FICO's
2. FICO 08
You will gind some good infor in there (like Ash stated), Porgy even had me and Oldhemp to break down and go to myFICO.
on 2008-02-08 Hey carlock, I agree with Ash, please go to myFICO and get an acutal FICO becasue I believe your scores are higher than this. BOFA is pretty strict with their cards and you received an approval. Yes we do have good posting on the acutal Fico scores from Porgy. I can think of two 1. FAKO's vs FICO's
2. FICO 08
You will gind some good infor in there (like Ash stated), Porgy even had me and Oldhemp to break down and go to myFICO.
Comment 7 by carlock4
Fico Scores on 2008-02-08
My FICO scores were a little higher than my fakos.
Trans- 674, Experian- 694, Equifax- 676 ( all after 4 applications and approvals within past month)
on 2008-02-08 My FICO scores were a little higher than my fakos.Trans- 674, Experian- 694, Equifax- 676 ( all after 4 applications and approvals within past month)
Comment 8 by arod
Congrats on 2008-02-09
Enjoy your new card. Make sure you are never late because you APR WILL RISE HIGH..
Great credit limit..
Take care,
Alex
on 2008-02-09 Enjoy your new card. Make sure you are never late because you APR WILL RISE HIGH..Great credit limit..
Take care,
Alex
Comment 9 by akcredit
WOW on 2008-02-09
Wow nice limit congrats. I had a Dodge Visa by BOFA back in 05 and gave me $5000. But its now on collections, hopefully I will get it soon. BOFA is one of the banks you need in your CR.
I think someone needs all of these credit cards or some of these cards on your report. So it can look good on your report.
1 AMEX
2 Discover
3 B OF A
4 Chase
5 Citi
6 WaMu
7 Capital One
Now I have Macys. And I think some one should get some store cards. Because you can save some money in the store. If you can save $5 on some thing, you can spend that on gas with these prices. But that's what I think. AK Credit
on 2008-02-09 Wow nice limit congrats. I had a Dodge Visa by BOFA back in 05 and gave me $5000. But its now on collections, hopefully I will get it soon. BOFA is one of the banks you need in your CR. I think someone needs all of these credit cards or some of these cards on your report. So it can look good on your report.
1 AMEX
2 Discover
3 B OF A
4 Chase
5 Citi
6 WaMu
7 Capital One
Now I have Macys. And I think some one should get some store cards. Because you can save some money in the store. If you can save $5 on some thing, you can spend that on gas with these prices. But that's what I think. AK Credit
Comment 10 by markrivers
Congartz! on 2008-02-13
Wow! That credit limit is humongous! Don't spend it all at once. Nice list of cards down there!
on 2008-02-13 Wow! That credit limit is humongous! Don't spend it all at once. Nice list of cards down there!
Comment 11 by carlock4
APR Change on 2008-02-20
I recently found out that all details that I was told for this card were correct but, the APR was actually 18.99% and not 8.99% like I was told the CSR at the time of approval. Oh well, I PIF most always anyway.
on 2008-02-20 I recently found out that all details that I was told for this card were correct but, the APR was actually 18.99% and not 8.99% like I was told the CSR at the time of approval. Oh well, I PIF most always anyway.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of 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.
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.
