How do I get Bank of America to pre qualify me for a credit card?

Yes, there are several Bank of America 0% APR credit cards and the best among them is the BankAmericard® credit card. It offers an introductory 0% APR for 18 billing cycles on purchases and balance transfers - balance transfers are subject to a fee of 3% (min $10). Once the introductory periods are over, remaining balances are subject to the card's regular APR of 12.99% - 22.99% Variable (based on creditworthiness). The BankAmericard credit card has a $0 annual fee.… read full answer

In addition, Bank of America offers credit cards with extensive rewards that also allow you to finance your purchases and pre-existing debt. There’s also a selection of 0% APR student credit cards, some of which also offer rewards, while having more lenient approval requirements. Overall, there are many Bank of America 0% APR credit cards. Most offer intro 0% APRs on both balance transfers and new purchases, while others (mostly Bank of America business credit cards) have 0% intro promotions for one type of transaction.

So no matter what type of card you’re looking for, you should be able to find a 0% offer that fits your needs. But unless you’re a student, you’ll need good or excellent credit to get any Bank of America 0% APR card.

Here are some Bank of America 0% APR credit cards:

A Bank of America 0% APR can be a great tool for financing a big purchase or paying off a balance transfer. Just try to budget your monthly payments so that you pay off your entire balance by the end of the 0% introductory period. And if you’re making a balance transfer, don’t forget that a fee will also get tacked on. And any remaining balances will be subject to the card's regular APR after the introductory periods are over.

You can check your Bank of America credit card status online. Unfortunately, there is no Bank of America credit card status phone number. But if you have trouble checking online, you could try to call customer service at (800) 732-9194.

In order to see whether your application is approved, denied or still pending, you’ll need to give some basic personal information like your zip code and the last four digits of your Social Security number. This ensures that Bank of America can match you to your application. You can check your application status as often as you like, as it’s free and quick.… read full answer

1. Go to Bank of America’s application status page.
2. Enter your last name, date of birth, last four digits of your Social Security number and zip code.
3. Click “Submit.”

You’ll now be able to see any applications you’ve submitted and whether they have been approved or denied yet. If your application is still pending, don’t worry. It may take up to 30 days from when you submitted your application to receive a decision. If you are approved, you can expect your card in 7-10 business days. But if you’re denied and think you can justify why you should be approved, you can call customer service and ask for reconsideration.

Your BankAmericard credit card approval odds are good if your have excellent credit (a credit score of 750+). It’s also important to have a high annual income and little existing debt. Bank of America will also review several other key criteria, too, including the applicant’s payment history, employment status, monthly housing payments, number of open credit accounts and more.… read full answer

Before you apply, consider using Bank of America’s pre-approval tool. You won’t be able to search for the BankAmericard credit card specifically, but the pre-approval tool will display all Bank of America cards for which you may qualify. Pre-approvals are done using a harmless soft inquiry. But if you then decide to apply for a card, Bank of America will perform a hard inquiry, which can cause a short-term drop in your credit score. Keep in mindthat being pre-approved indicates that you have good odds, but doesn’t guarantee that you will get the card.

If you don’t know where you stand in terms of your credit, you can check your credit score, right here on WalletHub. If your credit profile falls outside of the BankAmericard credit card’s range, you may want to consider applying for one of the other BankAmericard credit card-branded offers. College kids with limited credit should be eligible for the BankAmericard® Credit Card for Students. In addition, the BankAmericard® Secured Credit Card is open to applicants with bad credit.