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Question: Bank of america, hello kitty credit card. questions?

(Posted by: Laylani<3 on 2009-02-02 22:27:01)

To be very honest I want to get the Hello Kitty credit card offered from Bank of America solely because it has Hello Kitty on it. I do not plan on using the card really. I'm just wondering if I were to sign up for the credit card (it has no annual fee) and I were not to ever use it.. there would be no fees for me to pay since the card balance will always be at 0? I already own couple credit cards and as far as I know my credit is pretty good. :)

Posted by: thatguyulove on 2009-02-03, 01:42:03

2 things, first while you probably wont pay fee's on the card. you will take a hit to your credit score for opening a new line of credit. Also if you really don't use the card at all for a long period of time you risk the bank closing the card, which might also take a chunk out of your credit score in the future. a better option might be, (if you already have a credit card with bank of america) call them and ask them if you can change your old card to the hello kitty card. (just watch the rate and rewards change). If all go's well you might get the new look for an old card plus all the history of the old card and wont take a credit hit and will now get to flash your new looking card around like you did with the old.

Posted by: Michael M on 2009-02-02, 22:31:23

Should be no fee when no balance.

Posted by: almond9090 on 2009-02-02, 22:32:36

Sign up for the card, enjoy it, and the person who designed the card will probably get a promotion if they get a lot of people like you to get the card! Even if you don't ever use it, some fraction of the people who decide to get it because of Hello Kitty will end up charging on it, and that is what the bank is counting on. Hope this helps!