BOA Phone Application DP · Cloud Residents

George Henan

Apr 16 • Wins & Stories 🎉

BOA Phone Application DP

Opened a BofA checking account roughly 3-4 months ago in person.

Applied over the phone this week for one of the cards:

Here is how the flow goes:

-Select 2 to speak to the sales team about credit cards.

-Prompt asks you to enter last 4 of your social.

-Agent answers by giving you their name and location.

-Full name including middle name

-Asked if I had any priority code or saw an offer online? The offer's terms read a first time.

-DOB

-Address - if it's a mailing and/or physical. If owned or rented. How much monthly leaase.

-Country/countries of Citizenship

-If you are resident or non-resident. What is your country of residence.

-Your type of employment and a category for your job (employer not requested)

-If self employed?

-How much revenue. If the amount is per month or annual.

-If revenue comes from employment. A disclaimer about how you can count revenue.

-Asked for full SSN number. No problem in giving an ITIN ("yea we take that")

-Mentioned that I had a checking account with BOA, agent said my profile had already shown up after I gave my name and DOB.

-Very long disclaimer going through most of the terms that had been mentioned, APRs, application stuff, consent, credit lines, etc.

-Asked to confirm if I agreed to the conditions and wanted to go forward.

-Asked to give a final 'Yes' after a recorded message with my name and the card requested.

-Card approved on the spot and CL given. No email received.

-Text message sent to confirm my identity. Seems that the new card created a second profile and the agent couldn't merge them until the card number was generated. I was told to either call back the following day or upon receiving the card.

Agent was super friendly, US based and knew Canada very well. The agent and I actually spoke quite a bit throughout the call (roughly 30 minutes). Calling BOA is a very different experience to Amex, Chase, Citi, Barclays all of whom are a lot less personal and not at all into rapport building or whose small-talk is a lot more scripted (though most of those banks have offshore call centers, so that might be a reason).

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