Is the October 22 billing of your annual fee happening because that’s when it would have been due on your BOA card, or is everyone getting billed right away? I just paid my annual fee in April so hopefully it’s the former.
October is (was) the normal anniversary (AF billing) of my BofA card.
BofA Bill Pay supports eBills. Considering FNBO's very large credit card servicing portfolio, I would expect them to support sending an eBill to BofA.
I'm sure FNBO will begin accepting applications for new AGR credit cards in the future.Very dumb question on my part, but a bit is related to Trollopian’s much more intelligent question above.
I don’t have the current BoA card. Will AGR allow people who don’t have it to apply for the new bank’s one—just like advertising any other credit card? Also, will it be necessary to have an account with FNBO to use it?
I avoid BoA, so I have gone for free hotel nights with points gained on hotel chain cards and then bitten the cost on Amtrak, but it would be nice to be able to try for points trips on the train as well.
Every international purchase incurs a foreign transaction fee. The only difference is that some accounts reimburse this fee behind the scenes. My guess about "may" is that there was some sort of threshold, such as a maximum number of transactions or a maximum purchase price, that may not be reimbursed. That said I would assume the threshold was set well above typical consumer spending and unless you're creating a bunch of manufactured spend you were okay.
If you receive a raise or bonus the bank may send an invitation to request an increase but that's as far as I've seen them go. The way it was explained to me is that banks can obviously see many of our financial details but the act of requesting more credit puts the burden of accuracy and legitimacy on the consumer.
I have received an unrequested credit line increase on various cards in the past. Sometimes the bank sent a letter complimenting me on my good credit, other times I just noticed it was there. I usually pay my balances every month, but I think I got an increase recently after I'd let the balance on a card build up during a 0% interest free ride.
I have been looking for that information for over a week. Thank you. Now to get the application when it posts.
That is obsolete information. There will be no gap. Old card will continue earning until Oct 22, and new card start October 23. Old card holders will automatically get a new card. No need to apply for the new card if you currently have a BofA AGR card.
Some people (me) are canceling because the 1st year free ride is expiring, and they were planning to downgrade to the no-fee card.
I talked to BOA yesterday and canceled the AGR card. They are adding my credit limit on the AGR to another card I have with them. I will probably apply for the new card when it opens up depending on the offer.Thank you—that’s very helpful.
I see that they're quoting an annual fee of $79 (not $99) for the fancier version of the card. The hubby's not interested in anything with an annual fee, though. It looks like the bonus points promotion (available with both versions of the card, although not as many bonus points with the no-fee version) is available if one applies by 12/2/22. I never like making impulse decisions late in the evening, though, so I think I will wait a bit before applying. (It would be nice if we could get 0% interest on a balance transfer -- but that might not be an included feature.)
I would guess the $79 fee is incorrect.
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