My Credit Cards Blog » Bank of America

Bank of America Upromise Review

CC Dude — Sun, 07 Feb 2010 20:07:28 +0000

With Bank of America’s Upromise Mastercard, you can get $25 bonus after first purchase. First, you need to join Upromise Rewards program which is completely free. They are currently running a $250,000 scholarship giveaway. Then sign up for the Bank of America’s Upromise Mastercard to gt maximum cash back and a $25 bonus. There is no annual fee, and you get 10% EXTRA on college savings on participating grocery and drugstore items, 2% EXTRA
college savings on eligible Exxon and Mobil gas purchases, and EARN 1% on college savings on every purchase. Join Today!

What is Upromise?

Upromise is a free service that helps you pay for college. Whether you’re saving for a child’s future college expenses or paying down a student loan, Upromise can really make a difference. In fact, it’s helping millions of people all across the country.

How does it work?

You can get money back for college just for doing the things you do every day – shopping online, buying groceries, filling the gas tank, eating out at a restaurant, booking travel, and much more. Relatives and friends can also join Upromise and direct their college earnings to your account.

Save with companies like these
600+ online retail and travel web sites
22,000+ grocery and drug stores and thousands of participating items
48,000+ retail, service and restaurant locations

Chase Sapphire $100 Bonus

Currently, Chase Sapphire(SM) Card is giving away 10,000 Bonus Points after first purchase. The 10,000 bonus points can be cashed in for a $100 check. There is no annual fee with the Chase Sapphire Card. I personally have this card and got a $100 Check.

With the Chase Sapphire Card, you get 2X on all airfare booked through Ultimate Rewards. There is no earning caps, point expiration, or blackout dates. Also, earn 10x for every dollar when shopping at select merchant through Ultimate Rewards Mall and 1 point for every dollar on all other purchases. Chase gives you 24/7 Dedicated service advisor (No voice recording) with premier travel protection benefits.

No Hard Pull Credit Limit Increase

CC Dude — Tue, 02 Feb 2010 03:07:19 +0000

Increase credit limit is a good thing and should always be done to the maximum. The higher the credit limit, the better your credit score will be. This is a known fact. Hence, take advantage of this as much as possible. Usually, every 3 months or 6 months, depending on the credit card issuer, you need to give them a call or log-in your account. Simply tell them you want to increase your credit limit without a hard pull. That’s extremely important since a hard pull will lower your credit score.

Expect a Hard:

Barclay’s Business (i.e. Bank Atlantic) – per call on, but soft when done to new account.
Chase – always a hard pull
Citi – hard pull is definite if they ask for income verification.
Discover – hard pull at or beyond 15k
FNBO – Always hard through form.

No Hard Pull:

Juniper / Barclay’s – call the CSR on the back of your card and ask for an increase.
Discover (personal) – credit limit increase $2K every six months by calling 1-800-DISCOVER. It’s a soft pull.
US Bank (personal) – increase credit limit by 20% every 3 months with usage .
Wells Fargo – Call CSR and ask for increase without hard pull. They might say “we have to hard pull” then just talk to another CSR later.
USAA – Choose soft pull for additional review.
Citi – You can do this within your online account. CLI is instant unless ask for income verification.
AMEX – Use online form for no-hard CLI. If your credit limit is more than $25K, don’t bother asking. Otherwise they might reduce your credit limit.
Bank of America – Use online form for no-hard CLI.
WalMart – Use online form for no-hard CLI. Every 6 months usually.
Principal – No credit check for pre-approved limit increase.

Chase Sapphire $100 Bonus

Free $100 with Bank of America Credit Card

CC Dude — Wed, 20 Jun 2007 20:02:28 +0000

There is a $100 Bank of America promotion for their credit cards customers with opening a MyAccess Checking account. You must open the checking account with a minimum $25 opening deposit and use coupon code CH100CTA to get this deal. This deal only apply if you have a Bank of America credit card. They will automatically linked your credit card to your new account.

Here is the fine terms:

You will receive your $100 credit to your new account within 50 days of opening your new personal checking account online. Limit one $100 incentive per household every 6 months. This is a special offer to Bank of America credit card customers and only valid only for new MyAccess Checking® accounts. You must use the Offer Code CH100CTA and fund your account with the $25 minimum opening deposit requirement within 30 days in order to qualify for this offer. We may report the value of any premium to the IRS. Offer may be withdrawn or modified at any time without notice. The $100.00 credit can only be made to your new account. This new account must be still open at this time to receive your $100.00 credit.

Just like with most bank accounts, you must have direct deposit. Otherwise there will be a monthly fee with your checking account. I usually take care of this by sending $1 from my Paypal account to my BOA account since it counts as direct deposit.