To make a long, painful story short: I got a check from a merchant and put it in my bank account at BofA, a few days later I send off my car payment; the merchant's check gets returned (not merchant's fault, merchant's bank error) and the day after they take the money from my account my car payment comes in and is rejected. I find out about all this when the merchant calls me to explain that "a situation" happened and made bood on the check before I even get a notice from the bank. So I call customer service and the nice lady took pity on me and reversed the fee for my rejected check as well as the merhcant's rejected check. While we were talking she cast some sort of spell and the next thing I know I'm agreeing to let her put me in for a Platinum card which would cover these overdrafts if needed. I swear it wasn't my fault! I tried to resist ;-) I mean I told her it probably wasn't a good time to apply right now since I wasn't sure that my chances of approval would be good. Then she seduces me by saying that I'm a long-time (8 years) client and I have a good job as she could see by my twice monthly direct deposits and since I have a preferred checking account I would get an even better APR blah blah blah. So, like a little kid looking at bright shiny objects, I wiped the drool from my face and am confirming some personal info. yikes! She said she would put me in for the best offer but also made a note for whomever runs these things to consider me for anything in their arsenal if need be. I'm supposed to call this weekend to see what I'm approved for (mail takes 3 weeks). I guess my favorite saying comes into play here: "When you have no expectations, you can't be disappointed."