Chip Lupo, Credit Card Writer
@CLoop
Bank of America has an online pre-qualification page where you can quickly check your odds of approval for certain Bank of America credit cards. If you are a Bank of America customer, you may also receive pre-qualified offers periodically by e-mail or when logging into your card’s online account. In some cases, you could even receive pre-qualified offers for specific cards in the mail.
Getting pre-qualified for a Bank of America credit card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Bank of America Pre-Qualification Online
- Click “Find a Credit Card Quickly” on the Bank of America website.
- Log in to your Bank of America account or select “Continue without signing in.”
- Enter your full name, birthdate, and the last four digits of your Social Security number.
- Click “Show me my offers” to view any pre-qualified offers.
If you have pre-qualified offers, you can apply for the card of your choice directly from the pre-qualification site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a pre-qualified offer in the mail, visit the website listed in your pre-qualification letter and enter the invitation code included with your offer. This allows Bank of America to flag the application as pre-qualified.
Bank of America pre-qualifications do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for any Bank of America card, Bank of America will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
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Oscar, Member
@sgtorellana
Bank of America is one of those banks that require excellent credit scores to get any of their credit cards. I know it is easier to apply for a credit card once you are pre-approved but that is not always the best strategy. I was pre-approved for the Discover Secured Card that required a $200 deposit but i decided to apply for their Discover It Cash Back and was approved with a $8,500 credit limit. Discover also requires exellent credit for this card but I was approved with a credit of 675. Use Wallethub’s approval odds for your best credit card approval rates. Don’t apply for cards you know you can not get because it will only damage your credit with the Hard Pulls.
People also ask
What does pre-qualified mean for a credit card?
Being pre-qualified for a credit card means the issuer has done a soft pull of your credit history and concluded that you are a good fit. It also means you have an 80%+ chance of acceptance if you decide to apply for the card in question. It’s very similar to pre-approval in those regards.
The main difference between pre-qualification and pre-approval is who makes the first move. If a credit card company sends you an...
read full answer by Chip Lupo, Credit Card WriterWhats the difference between pre-approved and pre-qualified credit cards?
Pre-approved and pre-qualified credit card offers both indicate that a potential applicant is likely to be approved, but they are used in slightly different situations. Being pre-approved means the issuer sent you an offer, while pre-qualification usually means you checked your approval odds through the issuer’s website. However, the terms are often used interchangeably.
Both pre-approved and pre-qualified credit card offers have no effect on your credit standing, as issuers only use a soft pull...
read full answer by WalletHub, Financial CompanyWhat credit cards can I pre-qualify for?
You can pre-qualify for credit cards with several major credit card companies, including American Express, Bank of America, Capital One, and Wells Fargo using the pre-qualification tool on their website. To check for a pre-qualified offer on an issuer’s website, you just enter a few pieces of personal info and press a button. You will then see any cards you’re pre-qualified for.
Keep in mind that if you get a pre-qualified offer, you’ll still have...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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