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Balance Transfer to Bank of America Efectiva Platinum Plus Visa Bank of America EfectivaTM Platinum Plus® Visa®


Bank of America Efectiva Platinum Plus Visa
Intro APR: 0%

 Issuer: Card issued by FIA Card Services, NA.
APR (Purchases): Intro Rate - 0% for six billing cycles. Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Balance Transfers): Intro Rate -0% for 6 billing cycles on balance transfers and cash advance checks with a 3% balance transfer fee ($10 min.) Goto rate is a variable risk based rate between Prime + 3.99% and P + 12.99%
APR (Cash Advances): 21.99% Variable * minimum 19.99% . (P + 15.99%)
Finance Configuration: Average Daily Balance (including new purchases)*
Annual Fee: None
Additional Cardholders: $0
Grace Period: 20 Days (Min.)
Minimum Credit Limit: $500
Maximum Credit Limit: $25,000
Late Payment Fee: $19 on balances up to $100; $29 on balances of $100 up to $1,000; and $39 on balances over $1,000
Over-The-Limit Fee: $35
Cash Advance Fee: 3%, $10 minimum
Balance Transfer Fee: None

Reward Program Details

  • Customers earn 1 point for every $100 spent in net purchases up to $600 a year
  • Customer earns 5 bonus points with the first purchase
  • Customer earns 5 points for every $2,500 in net monthly balance transfers from non-Bank of Amrica accounts
  • Points don't expire for up to 5 years
  • Accounts must be in good standing in order to receive cash back

*See website for complete terms and conditions of card usage and application disclosure. *Terms and Conditions





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Apply for Bank of America EfectivaTM Platinum Plus® Visa®

Credit arises when you spend without paying. And how it is done? Yes, you are right, it’s through credit cards. Here, we are going to discuss how can we control that small plastic card which can make us happy with its service and can lead us to bankruptcy if goes out of control. Credit debt management can suggest us the way to get back that control and maintain it.

Credit card handling tips which you can follow for efficient credit debt management:

• Use your credit cards wisely; this will help you build a good credit history.

• Reviewing of credit card bills helps you pay them on time simultaneously finding errors (if any) in the bill.

• Get your credit report and analyze it. Contact credit rating agencies if there is any mistake in the report regarding credit card or any other debts.

• If you are already having balances on your credit cards, don’t apply for more cards.

• Get your balance transferred to a card with lower interest rate, if you use more than one credit card.

• If you are late on payments to another creditor, your credit card company can raise your interest rate. So, always pay your bills on time for all your debts.

• Special cards such as gas and petrol cards, departmental store cards or rewards cards carry higher rates as compared to normal cards, so avoid them

• If your credit debts are getting out of hands, contact credit debt management agencies for help.

Along with the measures specified above you can take the help of credit debt management companies. You can search among numerous credit debt management companies available online along with the services they offer. These services include credit counseling, credit card education and credit card debt consolidation services. Under a credit card debt consolidation service, you make a single monthly repayment to these agencies for all your credit card bills. Further, this agency pays your creditors from that amount at negotiated amounts. Yes for getting this service, you will be charged with a certain percentage of the total debt payment for credit cards.

You can enroll for a credit debt management agencies within 15 to 20 minutes. After the enrollment the consultants from these agencies will contact you with the services and credit debt management plan while discussing your credit card spending with you. The services of these agencies will continue till all your debts are in control or you have decided you withdraw voluntarily from this service. A credit debt management besides erasing your debts can also erase your stress due to credit cards.


  • Transfer your balance to Bank of America EfectivaTM Platinum Plus® Visa®

  • If you are considering mortgage refinancing, there are costs you can expect to pay before securing your new loan; however, these costs vary from one lender to the next and are subject to negotiation. Doing your homework before mortgage refinancing and haggling with potential lenders over fees will save you thousands of dollars on your next mortgage loan. Here are several tips to help you comparison shop and receive the most competitive terms and interest rates when mortgage refinancing.

    Mortgage Refinancing: Fees You Can Negotiate

    Many homeowners make the mistake of thinking whatever fees the lender charges is what they have to pay. You can actually negotiate with the mortgage lender and pay less. Fees that you can haggle with your lender over include origination fees, any “loan processing” fees, and many of your closing costs. Your lender may waive an appraisal fee or cost of the credit checks simply by asking.

    Mortgage Refinancing: Watch out for “No Cost” Loans

    If you don’t have the cash to pay your closing costs, many lenders allow you to roll these expenses into your loan balance. While this is a convenient alternative to coming up with the cash, doing this will result in paying interest on your closing costs for the entire duration of the loan. Rolling your closing costs into your mortgage balance can result in paying this expense ten times over. You’re always better off negotiating for lower fees and paying at the closing table whenever possible.

    Mortgage Refinancing: How Much Can You Expect to Pay at Closing?

    You can reasonably expect to pay 1-1.5% of your loan balance in fees and closing costs. These expenses vary from one mortgage lender to the next so it is important to comparison shop when mortgage refinancing. When you comparison shop for the best loan, make sure you are comparing all aspects of the mortgage offers. Many homeowners assume choosing the offer with the lowest interest rate means they are getting the best deal; however, by overlooking lender fees and closing costs in your comparison you could overpay thousands of dollars.

    You can learn more about your mortgage refinancing options including common mistakes to avoid by registering for a free mortgage guidebook.


  • Raise your credit score with a help of Credit-Rocket! Read the Chase credit card reviews
  • Tired of high charges? Find the best database for credit cards! Read the fine print and find the Annual Percentage Rate (APR). This is the interest rate the companies charge you if you carry a balance. You want the lowest rate possible; as each percentage point drop will save you money on the months you have an outstanding balance.