I've had a BOA credit card for many, many years. It is a no points card, but much lower interest than points cards, though I never carry a balance on it. They constantly send me "you are preapproved for ..." mail and emails. We were going to take a big trip last Sept., so I decided to respond to a "pre-approved" offer for a new card with 0% for a year and points. I have an exceptional credit rating, but after a few weeks I received a letter that they "couldn't issue me a new card at this time". No explanation other than that, but I assume that it is because I live out of the country. I do have a US mailing address.