BankAmericard Credit Card Overview
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feature
- Introductory 0% APR for your first 15 billing cycles for purchases and for any balance transfers made within 60 days of opening your account. (APR is annual interest rate)
- Introductory $0 balance transfer fee for the first 60 days your account is open.
- No annual fee.
shortcoming
- There is no usual sign-up bonus of giving points.
- No cash back on purchases.
- Foreign Transaction Fee (FTF) does exist, so don’t use it outside the United States.
Recommended application time
- Apply only when you are really short of money.
- 【New】【2/3/4 Rule】A maximum of 2 BoA cards can be approved within 2 months; a maximum of 3 BoA cards can be approved within 12 months; a maximum of 4 BoA cards can be approved within 24 months. Currently, BoA’s IT system is still quite poor, so this rule may not reject you at the beginning, but it is possible that your application is approved at first, and then a few days later, you find that the card is closed because it is “approved in error”.
- 【New】If you are holding or have held this card within 24 months, you will not be able to apply for this card.BoA 24 Month Churn Card Rules.
- Theoretically, BoA’s credit card is only valid for US persons (seeIdentification of tax filing status》) can apply online. If you are a Non-Resident Alien (NRA), you need to call or go to the local branch to apply. In fact, the bank will not really verify whether you are a US Person. NRA online applications can also be approved, but at your own risk.
Summarize
This card's previous card face looks very similar BoA BBR, don’t apply the wrong one!This card has 0 APR 0 BT fee, and Chase Slate Quite similar. Suitable for people who really need to borrow money because they are in financial difficulty. But this card does not offer any benefits, so those who want to borrow money should stay away from this card and leave it to those who really need it.
After applying
- BoA application status query can Click here.
- BoA reconsideration backdoor number: 877-383-0120 or 866-811-4108. It seems that BoA's phone number keeps changing... If the number is disconnected, please let us know immediately. BoA can directly contact the person who has the decision-making power.
Sign-up bonus trend chart
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