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Discussion in 'Credit Talk' started by zip, Dec 31, 2000.
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I had a bank of america card and all I can say is "never again!" They charge for every little thing. You don't even get a break by using their own ATM. The fact that most of their bank have moved into supermarkets is the biggest clue.
Never had a problem. I have a $10,000 line.
I had a bank of america card
and all I can say is "never again!" They charge for every little thing. You don't even get a break by using their own ATM.
A bank that is bad for deposit accounts, can be good for a credit card. In fact, I find that ALL banks I kept money at, are not the best candidates to have a credit card with. And I would never put any deposit in ANY of my "credit" banks. It's just always FAR from the best deal I could get.
Why would you use a credit card at an ATM?? You're paying 4% up-front plus 20% APR interest from the day you take the money out ... very very bad.
My partner and I both have B of A ... they're not bad on rates (9.5% for life of transfer and/or 9.9% "permanent" APR for purchases & transfers). They are a little sticky on limits and lowering rates, though.
My account was 2.9% for 6 months then it jumped to 19.8 ... they wouldn't lower it (the computer wouldn't let them). After 6 months at a zero balance I got a call from retention and they did lower it to 9.5 if I did a transfer. B of A seems pretty much to be a "by the score" bank.
I've never had a problem, though I've only had the card for 10 months. I have the 8.9 for life of the transfer. The purchase APR is like 16, but I don't care since I only use it for transfers.
When I was with Bank of America they were good to me. I had a $25K limit and they would let me go 2500 over without any questions.
From my understanding they allow all customers to go 10% over and they always offered me good rates.
I have the same 8.90% FIXED for balance transfers...no problem, won't use it for purchases @ 19.40%!!!
No problems, other than they wouldn't increase the credit line w/o application+inquiry...MAYBE IN A FEW MONTHS THEY SAID.
I am sorry I didn't explain properly. It was a VISA CHECK CARD. (VERSATELLER) It allows you to withdraw money from your checking account.The problem was they charged outrageous fees to do so. NO ....oh no, I know better not to use my VISA for CASH WITHDRAWLS. I did that when I was younger...never again!