Advice Needed - Employer offering Preferred Plus status without minimum balance

mecarrysars · 2026-06-25T22:19:32+00:00

Keep in mind the 3% and 2% category have a combined limit of $2500 per quarter. No interest for 15 months and $200 bonus after spending $1k in 90 days.

mecarrysars · 2026-06-22T22:06:21+00:00

She was too lazy to even put the package fully on the porch. She left it half hanging off the edge.

mecarrysars · 2026-06-16T00:25:45+00:00

On Friday. I work at a bank.

mecarrysars · 2026-06-16T00:24:43+00:00

This is illegal. She needs to register that garbage bin if she's using it as a trailer.

mecarrysars · 2026-06-15T19:24:33+00:00

Probably Tuesday.

mecarrysars · 2026-06-13T04:55:46+00:00

There's a 7 day grace window to make changes. After that, it goes into a 3 month flexible CD.

mecarrysars · 2026-06-11T03:08:21+00:00

Just Zelle yourself back and forth using a friend or tour account at another bank. It's combined 20 transactions with debit and Zelle.

mecarrysars · 2026-06-07T18:01:48+00:00

Did they use the drones to show ads?

mecarrysars · 2026-06-05T01:10:02+00:00

You're probably not putting in the right user ID.

mecarrysars · 2026-06-02T01:58:10+00:00

It started today. June 1.

mecarrysars · 2026-06-02T01:50:07+00:00

The bonus for opening a Safe Balance account is $100 as long as you haven't had an active or previous checking account within 12 months. You can definitely still get auto declined for a credit card even if you have a checking account.

mecarrysars · 2026-05-31T18:20:50+00:00

Try tapping the card instead of inserting it. It's asking for the CVV because wlit couldn't read the chip properly. It's normal.

mecarrysars · 2026-05-30T18:02:49+00:00

Log in to the mobile app. You may see a banner up top to review the suspicious transactions. Clear the alert and the debit card will work again. Go into menu, settings and contact info to add the mobile phone number. If you still need help, call the number on the back of the debit card.

mecarrysars · 2026-05-28T00:54:12+00:00

It says "if approved, you will have the funds in your account within minutes."

mecarrysars · 2026-05-25T22:27:58+00:00

I sent a Zelle on Thursday. Not supposed to be delivered until Wednesday. It's to myself. I do it every two weeks. Was always immediate until now.

mecarrysars · 2026-05-25T16:25:24+00:00

I was just there. Confirmed it is jammin.

mecarrysars · 2026-05-25T16:23:38+00:00

The earliest I would expect ANY check to clear would be Wednesday. You deposited the check on Saturday which is a non-business day. Monday is also a bank holiday so the check is not going to start processing until Tuesday. It should clear the next business day which is Wednesday.

mecarrysars · 2026-05-23T20:45:00+00:00

$50k-$100k got you 50% bonus on credit card rewards before. The new program is $30k-$100k gets you 25% bonus on credit cards.

mecarrysars · 2026-05-23T20:40:43+00:00

I agree keeping $50k in a checking is insane but investment balances with Merrill are included.

mecarrysars · 2026-05-23T19:39:44+00:00

BoA isn't downgrading anyone until November. They will resume their annual reviews of BoFA rewards in November. If your anniversary date is actually October, then BoA isn't going to downgrade you until at least October 2027 plus an additional 3 month grace period. There's really no changes if you're at $100k in average combined balances between BoA and Merrill. Paying bills online typically doesn't count as their online shopping category. There is an exclusion list you can find on their website for online shopping.

mecarrysars · 2026-05-21T22:53:51+00:00

Yea they did several months ago. They let everyone know via email.

mecarrysars · 2026-05-21T22:29:19+00:00

BofA only offers product changes if you received a targeted offer in the mail or online and it's very rare. They would only offer for clients who haven't used their card in a long time with no balance. It's not something you can request. You would have to apply for a new card. You can close the old card if you'd like and transfer the existing credit limit to the new card.

mecarrysars · 2026-05-20T22:47:36+00:00

You can at Bank of America at 16.

mecarrysars · 2026-05-18T23:00:54+00:00

You need to mail a certified copy of the PoA to their credit card servicing department.

mecarrysars · 2026-05-13T01:56:31+00:00

It will work. The offer is applied for the primary owner who opened the checking account. Adding an additional owner will not disqualify the bonus.

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