"Declined"
Bank of America® Platinum Plus® Visa® Card Review
Written by: yoyo11 on 2008-04-19
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
yoyo11's review: 
Well,... I bank with them so I tried. Chatted with the lady on line and she said that I have to be declined a card to be offered the $99/500. It takes about 7 days to get the offer in the mail... Well i've tried right away and was declined for this card.
they did however offered the regular secured Visa... I'll take it.
Well,... I bank with them so I tried. Chatted with the lady on line and she said that I have to be declined a card to be offered the $99/500. It takes about 7 days to get the offer in the mail... Well i've tried right away and was declined for this card.they did however offered the regular secured Visa... I'll take it.
8 Comments
Comment 1 by mark
Go With It! 
on 2008-04-19
That's a start!
you can actually go as high as $10,000 if you have some spare cash.
think about it..
after 9-12 months, when they release your money... You still enjoy the $10,000 credit limit.
i'd say go as high as you can.
and there's only a 29 annual fee, which is much much cheaper than the other subprime banks
on 2008-04-19 That's a start!you can actually go as high as $10,000 if you have some spare cash.
think about it..
after 9-12 months, when they release your money... You still enjoy the $10,000 credit limit.
i'd say go as high as you can.
and there's only a 29 annual fee, which is much much cheaper than the other subprime banks
Comment 2 by meya
Same Here on 2008-04-19
Except I was never offerd the 99/500. I got denied to the bone.
on 2008-04-19 Except I was never offerd the 99/500. I got denied to the bone.
Comment 3 by eric
Next Year Meya on 2008-04-19
I know you put a lock down on your apps... So try again next year... Im sure they will offer you something.
on 2008-04-19 I know you put a lock down on your apps... So try again next year... Im sure they will offer you something.
Comment 4 by lyyssa01
Meya on 2008-04-19
I was, too. No offer, nothing. And yet they're still sending me the pre approvals for their cards. :/
on 2008-04-19 I was, too. No offer, nothing. And yet they're still sending me the pre approvals for their cards. :/
Comment 5 by meya
Offer Me! on 2008-04-19
The only thing they are going to offer me is a better way to keep more money into my checkng account. Maybe this is the reason! Hummmmm! Oh well,.
on 2008-04-19 The only thing they are going to offer me is a better way to keep more money into my checkng account. Maybe this is the reason! Hummmmm! Oh well,.
Comment 6 by leenax
Explain Term 99/500!sparecashmeans? on 2008-06-29
If U pay $29 or any annual fee, it's really not free. Why would the CL go up as far as $10 if they make you pay an annual fee? That means U are more of a risk to them, that's why they roll U over to the AF card, so why would they "up" the limit for that person?
Why do u call it free cash? What does 500 stand for?
99? When would BofA offer that & is that only specific to Bof A?
ANYone tried the TRIP rewards?
Go to BankofAmerica.com/creditcards
http://www1. Bankofamerica.com/creditcards/? Context_id=marketing_detail&offer_id=ECOMM090RAFJ00500800122393EN000&requestTimeout=120&router_flag=y
TripRewards Platinum Plus MasterCard Credit Card Site-Specific Help in a New Window
Earn 13 points per $1 on qualifying hotel stays.
Earn 2 points per $1 on all other net retail purchases.
Any one have any experience w/ this card?
or any of the professional society cards?
on 2008-06-29 If U pay $29 or any annual fee, it's really not free. Why would the CL go up as far as $10 if they make you pay an annual fee? That means U are more of a risk to them, that's why they roll U over to the AF card, so why would they "up" the limit for that person?Why do u call it free cash? What does 500 stand for?
99? When would BofA offer that & is that only specific to Bof A?
ANYone tried the TRIP rewards?
Go to BankofAmerica.com/creditcards
http://www1. Bankofamerica.com/creditcards/? Context_id=marketing_detail&offer_id=ECOMM090RAFJ00500800122393EN000&requestTimeout=120&router_flag=y
TripRewards Platinum Plus MasterCard Credit Card Site-Specific Help in a New Window
Earn 13 points per $1 on qualifying hotel stays.
Earn 2 points per $1 on all other net retail purchases.
Any one have any experience w/ this card?
or any of the professional society cards?
Comment 7 by leenax
Pls Explain Mark's Comments? on 2008-06-29
Why would anyone be given 10K for a secured card, if that is what is being inferred here, by "they keep your $"... WHat/How much of your $ do they keep? Is that returnable or is it a wash, that's for them as a profit off of you?> So HOW is it that U can benefit according to his comment that U will get as high as $10K for a secured CC!? That sounds unbelievably hard to believe...
Also, which BofA card do u guys think is the best card to apply for? For the most rewards?
They all seem so stingy w/ their points, 1 point for $1.
That will take forever to accumulate any pts for a trip/airline!???
Discover offers a Biz miles, 2 miles for $1. For travel, restaurants purchases... ANyone have any experience w/ that or applying to that card?
Also, can u tell me what is your actual INSURANCE coverage for Travel Accident/when flying, taking trains, etc...
The BofA site nowhere outlines that out at all {like Citibank does sometimes, I don't know if Chase does, do they? Citi specifically states that Travel Accident/Dismemberment coverage insurance is up to 1 mil. Amex is usually only up to $100K for their direct card offers. Unless u pay extra premium price for their multiple offerings of insurance coverages. }...
Getting back to Bof A's coverage--- When u click on on the [Mastercard Plus, or whatever it is, ] that is in highlights - it is QUITE vague in its upper limit insurance coverages, no max is mentioned whatsoever-- car insurance, etc...
purchase protection/guard.
ANyone have their actual Program details on hand, terms+conditions/disclosures ? Can u pls look up all of the insurance coverages for me & report back here?
AND
or send me an email direct as well, so I know when to check this site again!!! W/ the proper link...
I just stumbled onto this one..
on 2008-06-29 Why would anyone be given 10K for a secured card, if that is what is being inferred here, by "they keep your $"... WHat/How much of your $ do they keep? Is that returnable or is it a wash, that's for them as a profit off of you?> So HOW is it that U can benefit according to his comment that U will get as high as $10K for a secured CC!? That sounds unbelievably hard to believe...Also, which BofA card do u guys think is the best card to apply for? For the most rewards?
They all seem so stingy w/ their points, 1 point for $1.
That will take forever to accumulate any pts for a trip/airline!???
Discover offers a Biz miles, 2 miles for $1. For travel, restaurants purchases... ANyone have any experience w/ that or applying to that card?
Also, can u tell me what is your actual INSURANCE coverage for Travel Accident/when flying, taking trains, etc...
The BofA site nowhere outlines that out at all {like Citibank does sometimes, I don't know if Chase does, do they? Citi specifically states that Travel Accident/Dismemberment coverage insurance is up to 1 mil. Amex is usually only up to $100K for their direct card offers. Unless u pay extra premium price for their multiple offerings of insurance coverages. }...
Getting back to Bof A's coverage--- When u click on on the [Mastercard Plus, or whatever it is, ] that is in highlights - it is QUITE vague in its upper limit insurance coverages, no max is mentioned whatsoever-- car insurance, etc...
purchase protection/guard.
ANyone have their actual Program details on hand, terms+conditions/disclosures ? Can u pls look up all of the insurance coverages for me & report back here?
AND
or send me an email direct as well, so I know when to check this site again!!! W/ the proper link...
I just stumbled onto this one..
Comment 8 by hjm331
RE: LeenaX on 2008-06-29
The best card offered by BOA currently is their "Americard" credit card. It offers 1.5 pts for every dollar spent as long as you are able to maintain a checking account with them for a full year. It's pretty easy actually since they offer a checking account that doesn't have any monthly fees attached to it. I think it's the best rewards program in the business right now.
on 2008-06-29 The best card offered by BOA currently is their "Americard" credit card. It offers 1.5 pts for every dollar spent as long as you are able to maintain a checking account with them for a full year. It's pretty easy actually since they offer a checking account that doesn't have any monthly fees attached to it. I think it's the best rewards program in the business right now.
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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.
