Bank of America Visa Signature® WorldPoints™ RewardsBalance Transfer Offer: 0% for 15 billing cycles
- Receive a $25 Statement Credit After Your First Purchase*
- No Annual Fee
- Introductory 0% APR for Cash Advance Checks and Balance Transfers through Your First 15 Billing Cycles
- Earn 1 Point for Every $1 in Net Retail Purchases
- Absolute Fraud Protection
- Online Access and 24-Hour Service
- Access to the MyConcierge Service, a Unique Personal Assistance Service
- Card Issued by FIA Card Services, N.A.
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Bank of America Visa Signature® WorldPoints™ Rewards Details
| APR | 9.90% |
| Annual Fee | $0 |
| Intro APR | 0.00% for 15 billing cycles on Balance Transfers |
| Rewards | Airlines |
| Credit Needed | Good Credit |
| Approval Rate | Good |
User ReviewsTitle: THEY SUCKKK
Date Reviewed: 2008-05-17 16:32:50 | Recommended?: Yes
Remarks: I APPLIED FOR THIS CARD COUPLE DAYS A GO AND THEY DENIED ME SAYING I HAVE BAD CREDIT..CALLED TO RECONSIDER BUT STILL NO...SO TODAY WHEN I CALLED THEM TO REFINANCE MY AUTO LOAN THEY APPROVED ME..AND ALSO ASK ME IF I WANTED TO HAVE THEIR CARD AND I SAID NO.. YOU GUYS DENIED ME SO I DONT WANT TO APPLY ANY MORE..BUT THE REP SAID I WAS APPROVED FOR 10K LIMIT..SINCE I HAVE GOOD RELATION SHIP WITH THEM...SO I WAS APPROVED FOR THIS CARD 0% FOR YEAR..AND ALSO WORLD POINT..LOOKING FORWARD TO IT.
Title: Should I cancel this card ?
Date Reviewed: 2008-04-04 04:34:55 | Recommended?: Yes
Remarks: I upgraded my bank of america american express to the visa signature because i heard it was the top of the line visa card . I love all the extra benefits you get with it except for one thing . It is a no pre-set spending limit card which means they dont report a credit line to the bureus . They only report what you owe making your account look maxed out . Does this really affect my scores ? Should I just ask for this account to be changed to a regular visa ?
Title: Improper credit bureau reporting
Date Reviewed: 2007-12-27 03:53:41 | Recommended?: No
Remarks: I have this card for 6 months now. Unlike my other B of A cards, this one does NOT report your credit limit, instead it reports the maximum amount you owed that month, therefore, making the account looked MAXED out on your credit report instead of the actual cushion of credit you may have. I have a $25,000 credit line, however, it reports what I owe that month of like $2300 as the maximum credit and it looks maxed out even though its only 10% of the credit used. Good card, but awful reporting, therefore, I would NOT suggest this card.
Title: Bank of America is great!
Date Reviewed: 2007-08-02 05:45:50 | Recommended?: Yes
Remarks: I already have a Bank of America credit card for 4 years now and I think its time to add another one.
I was approved instantly for $3300.00 ... kind of low but I will ask for more later.
I don't have any problem with Bank of America, but most Bank of America reward programs is kind of "cheap" ... but other than that everything is great.
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