Got a credit card from them fairly easily, even though I did not have a huge income. After my balance was high for a few months, it was paid in full so that the current balance was $0.00. The following day I was called by BoA to say that they are closing my account due to a "recent credit evaluation". I tried to explain that I have just paid off ALL 6 of my credit cards and that it would not show on my credit report, but they would not hear any of it. I even asked if I could request it be closed rather than they close it (apparently this is better on your credit report) and they would not even let me do that. What is the deal BoA? I pay off all my debt in hopes of improving my credit and you tell me I can't do business with you anymore? Then you try to make my credit report look even worse? Not acceptable!
See other sdill post--- Update... after my 3 month nightmare. Still no resolution. I had to reapply for my card to be opened. They pulled me 3 times, making my credit score go even lower. They did reopen it to exactly the same way it was. No changes in % or anything. August stmnt had all charges reversed and yet still showed a cash advance with new % added. They were supposed to take away the cash advance thus no new %. They credited it back last month. I need to call again for have the cash advance and new % removed. I am exhausted by their mistakes and lies. But I will not give up. I still have 2 delinquent payments on my credit report, 3 hard inquires, a closing, and a reopening. They are the WORST EVER EVER! Estimate total hours spent 15+ and 20+ phone calls so far. WORST credit card bank EVER. Eleven years I spent with these incompetent, lying, jerks. I have spoken with many supervisors that don't care either. Friends have closed $20,000.+ in accounts and loans so far. I tell everyone about B of A.
This bank needs to care a little more about his customers who are paying their salaries.When they make a mistake, admitted and corrected in a reasonable time and manner.I made a payment to this bank, they did not credited to my account, went back to the bank with the receipt, they said that it got corrected,that I would receive a new statement. The only result was that they cancel my credit line and did not credit me anything for the payment I had made. This is definitely the shittiest excuse for a bank I have ever seen.Should have been left out to die for the way they treat customers.UNSAFE AT ANY SPEED.