BOA customized rewards 薅0% APR发现信用分开始掉
BOA 0% APR 被薅导致信用分短期下跌的讨论。
1. 关键信息
- BOA CR 6% cash back on travel via Bilt; 0% APR period ~15 months.
- Monthly payment ~$1000; remaining balance $300-$2000; no penalty APR.
- Utilization rate spike causing credit score drop; accounts for C1/Chase report.
- User plans to apply for Chase IHG/UA cards in May/24 (#1).
- Other users report similar score drops with high BOA balance (#10, #11).
2. 羊毛/优惠信息
- BOA: 6% cash back on travel; 0% APR.
- Bilt: Rent payment.
- Chase: IHG; UA.
- Amex: Amex Biz; double dip; Alaska Airlines.
- Smartly: 0% APR.
- No codes/subs listed.
3. 最新动态
- No new updates.
4. 争议或不同意见
- Rent payment via credit card debated as not truly free (#6, #8).
- Credit score impact temporary vs permanent discussed (#4, #5, #9, #10).
- Balance repayment strategy varies (#3, #9, #11).
5. 行动建议
- Repay high balance before applying for new cards.
- Wait for score recovery after repayment.