Originally Posted by
lsquare
So I tried to apply for this card over the phone because I'm currently outside of the US. I did exactly what @
Dovster tried to do, but I was not successful like him. I did not get instant approval. My application will now be reviewed by a credit analyst. I was also unsuccessful in getting my card mailed outside of the US and I was told it'll have to be mailed to my US address. It's not the end of the world, but I don't know what Dovster did to get his card mailed to Israel. What also bothered me was that the rep did not had access to my BoA information. Apparently it doesn't matter that I have a card with them and my history and all. So I guess my question is what if my application gets rejected, who should I talk to? Is there a reconsideration line? Is there another phone number that I can call to get them to mail my card to an address outside of the US?
I was thinking of maybe even doing a product conversion, but I was told that if I convert my old BankAmericard over to the Premium Rewards card, then I don't get the welcome bonus. Is this true?
What should I do next guys?
You should do nothing right now. First wait until you get a reply from the credit analyst. When I applied I was told that the telephone rep could not approve any card on her own authority. She had to enter my request and then see if it gets immediate approval or if it would be sent to a credit analyst. If it did have to go to a credit analyst, she said, it would take about 5 days and that the analyst might want to speak to me on the phone.
I was calling from my home phone in Israel (which is on record with BoA) and told her that it (or my Israeli cellphone) are the only numbers the analyst could use as the other phone being shown is my sister's in the US. She told me that the analyst would not be allowed to make an international phone call. As it turned out, it did not matter because it was immediately approved and never sent to the analyst. I think a lot had to do with the facts that I have had BoA credit cards since 2003, was living in Israel at the time, never missed a payment, paid my complete balance each month, and have a FICO score of 820 (it will never be much higher because I do not have, and never did have, any other kind of debt).
At first, she also told me that as it is a new card it would have to be mailed to a US address. I told her that it was my sister's address, she is 77 years old, and I am not about to make her go to the Post Office to re-send the card to me. I said that if it is not mailed to me directly in Israel then I do not want it. She spoke to a supervisor and got approval for it to be mailed to me.