$400 Cashback after spending $500 in 3 months. 0% interest for 15 months. Bank of America Visa Signature. No annual Fee. Targeted Offer only.

Quote from shimbos : This seems to be VERY YMMV. Depends on which rep you get. I got through at about 1:30pm EST, gave the rep named Michael the code, and during his reading out the terms to me he ended off "and you will get a bonus $400 after spending $500 within 90 days". I didnt even have to ask. But it seems some reps have caught on and wont give you the $400 promo if they think you werent targeted for the offer. Good luck to all.

Given that we're all using the same promotional code, shouldn't we all be awarded the same promotion regardless of whether the CSR can "see" the CB offer or verbally states the CB offer?

on hold for 54 minutes, took 15 minutes or so to apply, approve for 5K limit. but CSR BELIEVED that offer is 400 cashback after spending 500... and he told me you will get what ever offer code says in the mail...

Quote from tebow20 : I was on the phone for 58 min... I have perfect credit and still have to wait 30 days.

Are you referring to your FICO score? If so, how did you get a perfect credit score of 850? That's really hard to do.

Quote from nicholasyud : 650 credit score ? what my change of getting approved ?

I'd guess not instant approval, but that would all depend on why your score is just 650. The way I see it though is it's worth the risk for 80% CB, that is unless you plan on making a huge purchase really soon and can't afford for your credit score to go any lower.

Quote from advntstrfe : Given that we're all using the same promotional code, shouldn't we all be awarded the same promotion regardless of whether the CSR can "see" the CB offer or verbally states the CB offer?

Thats essentially exactly what the CSR told me. She cant see the offer, but the offer code is tied directly to the CB offer. Only way of knowing for sure though is to wait til people start getting their cards in the mail and the documents that come with it. Like others have mentioned, I probably wont bother activating it if there is no promo.

Quote from namlook : Are you referring to your FICO score? If so, how did you get a perfect credit score of 850? That's really hard to do.

I'm assuming he means no delinquencies / lates / public records.

Quote from sam_shizzel : Like others have mentioned, I probably wont bother activating it if there is no promo.

Good point there. Given that the credit pull has already occurred by the time you received notice in the mail and you decide ultimately not to activate, how would you suspect that will reflect in your credit report/history? Will there just be no evidence of that particular card reflected, but rather only an inquiry will show up?

If I have bad credit (which I'm trying to rebuild now), do I have a chance still for this offer?

Anyone with average credit got thru on this promo?

Quote from sam_shizzel : Thats essentially exactly what the CSR told me. She cant see the offer, but the offer code is tied directly to the CB offer. Only way of knowing for sure though is to wait til people start getting their cards in the mail and the documents that come with it. Like others have mentioned, I probably wont bother activating it if there is no promo.

You know that even if the credit card isn't activated, the credit card account will still be open right? I don't know if you know this since I think some people seem to believe that if they don't activate the card, the account will never exist.

Quote from IggyWH : I'd guess not instant approval, but that would all depend on why your score is just 650. The way I see it though is it's worth the risk for 80% CB, that is unless you plan on making a huge purchase really soon and can't afford for your credit score to go any lower.

i have 1 collection account. making 50k. total credit limit is 1200 and recently apply for limit is last month.

If I get this card make a big purchase and never use it again will It hurt me in the long run? or do I have to keep using it?

does the offer still stand? I already have visa signature for this card.. can I still apply?

I was able to do an instant approval.. but when she read out all the terms and offers there is nothing for $400 cash back.. like others said I'm crossing my fingers. If they say no cash back, will share the screen shots to get the cash back. But still I feel YMMV. I asked the rep and she said when she enter the promo code she was able to pull the visa singnature casr details but no information on cash backs.

Note: if the rep ask you how you got this code, you can inform then that after you logged out of the checking account page, you received about this information.

how do i check my credit score?