BOA said: Standard Balance Transfer Fee: None See 5 below for explanation. 5 We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which those fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.
What does that mean? Are there any BT fees or not?
Try calling 1-800-932-2775 and referencing this card if link dies.
BOA said: Standard Balance Transfer Fee: None See 5 below for explanation. 5 We include Transaction Fees when computing finance charges. Incurring Fees results in an APR exceeding 0% for the billing statement on which those fees appear. The Daily Periodic Rate (DPR) will remain 0% as disclosed.
What does that mean? Are there any BT fees or not?The Terms pretty clearly say "None" for balance transfers. What you quoted is just saying that any fees are included when calculating the APR shown on the monthly statement - its their standard clause on all applications, to explain why people have a 0% rate but see a 1.22% APR on their statement. But since there is no BT fee, it is irrelevant info for that particular application.
ctaul
Senior Member
posted: Jan. 18, 2009 @ 12:24p
That just means they consider transaction fees as finance charges.
vamos
Senior Member
posted: Jan. 18, 2009 @ 1:12p
yup, its zero alright. got it a few weeks back in an AOR.
Call 1-800-932-2775 and try to apply over the phone.
Also, in the future, will not put an actual link into posts like this so CC companies can't track the traffic. Copy/paste address into the browser is probably the best method going forward.
elleve
Ancient Member
posted: Jan. 19, 2009 @ 9:38a
hah. dead in 24 hours.
crikey
Broke Member
posted: Jan. 19, 2009 @ 10:03a
https://mynewcard2a.bankofamerica.com/USCCapp/Ctl/entry?pid=padm&sc=FAATCY&pageid=application&lc=en_US seems to be operational again.
The credit card application "link" you requested is currently unavailable.
Your business is important to us.
We will be happy to process your credit card request immediately
Please call 1-800-WEB-APPLY (1-800-932-2775), Monday through Sunday, 8 a.m. until midnight (Eastern time). TTY users, please call 1-800-833-6262 to apply by phone.
Thank you for your interest.
biffstein
Member
posted: Jan. 19, 2009 @ 1:31p
The original copy-and-paste link worked for me. Just applied on-line and was approved in a minute or so, with credit line of $13,800. Didn't specify a bal. xfer in my application; figured I'd call and do that after I received the card. Thanks o.p.
T&C looked to be the same as the one from above. Do we need to request for BT at the time of opening account? Can we request for BT after getting the card?
rustum
Senior Member
posted: Jan. 20, 2009 @ 12:34p
Did not get immediate approval. They are going to send me a mail.
socrates9
Member
posted: Jan. 20, 2009 @ 12:54p
Did not get immediate approval either, but they called me and asked me a few questions. I got approved for $30,000 limit
Same thing happened with me too. Got a call and had to answer few casual questions and got approved for 30K. Before applying this card I had 2 cards with BOA with 20K and 35K limits which I'm not using because of 3% BT fee and high interest rates. They closed 35K limit one and approved this for 30K. BTW my current FICO score is 644 because of recent late payment on a store card.
socrates9
Member
posted: Jan. 20, 2009 @ 2:18p
I believe, currently my FICO scores are in the low to mid 700 range. Had long a history of problems with BoA (coming from MBNA days) so I was quite surprised that they approved it. By the way, I currently have no cards from BoA and tons of open accounts from other issuers. He just asked me what kind of limit I was looking for, and I said currently most of cards have limits in the range of 30K and he said that should be no problem. Maybe I should have asked for more
MaddHatter
Senior Member
posted: Jan. 20, 2009 @ 2:22p
Wow, and here I was debating going after it with a 724 TU. But DSD's rate is only going down from here, I should probably pull the trigger. Also encouraged that it sounds I'll likely be able to get a 22k existing BOA consolidated into this offer.
socrates9
Member
posted: Jan. 20, 2009 @ 2:28p
If they pull TU then my FICO score currently is 743
Link still works. Btw, can we call and ask them to reallocate like MBNA or do we have to wait until we hear a response from them?
rustum
Senior Member
posted: Jan. 20, 2009 @ 3:59p
socrates9 said: I believe, currently my FICO scores are in the low to mid 700 range. Had long a history of problems with BoA (coming from MBNA days) so I was quite surprised that they approved it. By the way, I currently have no cards from BoA and tons of open accounts from other issuers. He just asked me what kind of limit I was looking for, and I said currently most of cards have limits in the range of 30K and he said that should be no problem. Maybe I should have asked for more Well, i have called them about my application. I have little around 3 years of credit history. She is ready to give me only 5k CL. I have asked for 10k. They asked me to fax my pay stubs. My credit score is around 700. Do they give more credit upon request? How liberal they are?
Skipping 167 Messages...
ymf
Addicted Member
posted: Aug. 8, 2009 @ 7:01p
I called too (today) - the deal has expired.
Was offered a card w/ 0% APR 9 months (3% BT fee with a $10 min and no maximum). Said thank you no, have a good day. The rep asked but why. I said the BT deal was not interestting enough, have a good day. The rep said but why, etc. I hanged up.
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