Credit Score: 550 Credit Limit: 300 Age: 35-44

Posted 01/16 2018

When I got this card, I decided to just put down the minimum $300 deposit which I took from my BOA checking account. The thing I like about BOA is that the app is very easy to use. You can pay your bills through it. 9 months after I got this card, I decided to close my checking account because of the fees. Once I closed the account, the app stopped working and this was really inconvenient. The app was most useful in paying my bills. Now I have to send a check or pay by phone.

As a comparison, I also have the capital one card and though I do not have checking account with them, I could use their app and in fact, it is much better than BOA's. I wish BOA would not link the ability to use their app to having a checking account with them.

That being said, approval was easy and my credit score did improve from using the card.