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bank of america upromise credit card

Bank of America - credit card pushers

Bank of America is put under the microscope for possible unethical business practices.

How to find the best credit card deals of 2018

You get 6% cash back at grocery stores, gas stations and select department stores. 

Here is a trick, you can extend the 6% cash back beyond groceries when you buy gift cards at the grocery store for restaurants and retailers.   

There is an annual fee of $95.

So what do you do if you don't have good credit?

Nerdwallet.com reports the Capital One, Quick Silver One card  is for you.

This one offers a flat 1.5% cash back rate for anybody still building credit. And there is no limit. Also, Capital One, may even increase your credit limit if you make your first five monthly payments on time.

There is a $39 annual fee.

Here is a good one for college students, according to Moneycrashers.com .  

With the " Upromise World Mastercard ", you'll get a $50 sign-up bonus and 1% cash back on all your purchases which you can redeem to pay off your student loans or deposit into a 529 college savings plan. And there's no annual fee.

This App May Let You Retire on Your Spare Change

The Acorns portfolio is purposely simple: Your money gets spread among six basic index funds. The weighting in each fund depends on your risk profile, which you can dial up or down on your iPhone. More aggressive settings put more money in stocks. But you always have some money in each fund, remaining diversified among large and small company stocks, emerging markets, real estate, government and corporate bonds. The app will be available for Android in a few weeks and through a website in a few months.

Why Millennials Are the Target

Micro investing via a mobile device clearly targets millennials, who show great interest in saving but have been largely ignored by financial advisers and large banks. Young people may not have enough assets to meet the minimum requirements of big financial houses like Fidelity, Vanguard, and Schwab. With Acorns, there are no minimums. There are also none of the commissions that can render investing in small doses prohibitively expensive. “We want small investors who can grow with us over time,” says Acorns co-founder Jeff Cruttenden.

UPromise Bank of America Credit Card?

So I applied for one because I paid off my credit debt on credit card that has no rewards or anything.


Generally speaking, yes, that does mean that an aspect of your application raised flags and review is neccessary. From my experience, it is uncommon to apply for a credit card from BOA, receive that message, and later, become approved.

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