Bank of America Credit Cards

They kept raising my credit line when I told them not to. I told them I’m on SSI. They didn’t care. It went from $500 to now a $7,000 credit limit with a insanely high interest rate and somehow I now owe them $4,000 with a interest of about $100 a month. Now I have to find a way out because I’m sinking in debt and it’s killing me that I might have to go bankrupt because there is no other way out. Plus their customer service is the worst. They quickly judge and form an opinion on you. They don’t have compassion for you. I’m starting dialysis soon. They could care less. I regret the day I ever got a credit card from these people.

Absolutely fraud.. I applied for a credit card with a 0% balance transfer fee and then when I was approved, I called to make a balance transfer. The agent told me there’s a 3% transfer fee on the card I applied for and that I was given the wrong information while applying after putting me on hold for 30 minutes. So I decided to cancel my card. I feel frustrated to have my time and energy wasted on them. There are way better credit card companies with better services than this!

So, I’ve been with Bank of America for years... started rebuilding my credit and since then I’ve purchased my 1st home. I have zero regrets about doing business with BofA as that is concerned, because it proved to be a benefit to me in the long run, but as of today I’ve decided to move on. So, I contacted the credit card department requesting for a credit limit increase and was denied for past credit issues that I experienced 10 years ago and have since improved... Bank of America even reimbursed my deposit because of my good payment history. So, I have decided to pay the balance in full and seek business elsewhere.

Bank of America has killed the one service that differentiates theirs from all other credit cards, and the main reason I have remained a Bank of America customer since 1977. ShopSafe is a web service that allows a Bank of America credit card holder to create a virtual credit card number for use online. Once a charge is completed with this virtual credit card, it is locked to that vendor, and all other charge attempts are rejected. Bank of America killed this service on 20 September with the assertion that equivalent services such as Apple Pay, Google Pay, PayPal, and Verified by Visa are equally effective. In the seven days since this unfortunate event, I have made no less than ten purchases online, and NONE of these "equivalent services" were available on ANY of the sites where I was shopping. Bank of America had a service that differentiated them from other credit cards, but NO MORE.

They never credited my payment of $1000.00 dated July 3, 2018. It has been verified by my bank that my check has been cashed by B of A. I am an add user of my friend that applied for this account but I am just the only one using it and paying it as well, and the fact that it is so difficult to communicate with them since I am an add user, and I am the one that paid off the balance which it is already 5% balance paid off compared to the outstanding high balance of $14000. And for some reason that my Visa card has so much credit available but they keep declining it for no apparent reason.

I set up bill pay for the balance on a physician visit. The money was removed from my checking account. However a month later I received another statement from the physician’s office saying I hadn’t yet paid. When I contacted B of A they confirmed the check wasn’t cashed. How is the consumer to know the check never made it unless we get additional statements and late fees since the money was removed from the account by the bank as a completed transaction? Seriously flawed system.

Would you like to spend $100 on international phone calls to call Bank of America and be told by the 8th representative that your issue got fixed and then find out that your issue is still there. Then go ahead and apply for their credit cards. Git forbid you are a military member going overseas and thinking to apply for this joke of a bank. Save yourself the money, time and anger dealing with the most untrained stuff in the history of banks. No words to describe my disappointment. Now we are stuck overseas with this credit card and literally nothing that they can help us with. I miss Chase and Usaa and any other bank.

They might as well not bother with mobile banking other than looking at your account and locking your debit card. Mobile deposits are a waste of time. You are supposed to be able to use the funds right then. Otherwise you can just go into the bank if you want to deposit a payroll check. It's stupid and very frustrating dealing with them. Nobody can do anything with a system that should automatically operate without people. They are the worst and I see why they have lawsuits against them.

Have been with BofA close to 30 years. Last year they changed my checking and savings account types so they could charge me higher service fees. Last week I removed 2 auto payments from my checking account. This week BofA emails me that there have been important changes to my credit card accounts but doesn't say what those changes are. Today I get one letter for each of my three credit card accounts that says they decided to close them. They stated the reason was that I had recently made late payments, which wasn't true. I should have left BofA a long time ago.

I had a Bank of America credit card for nearly a decade, which I paid off monthly...So, while I am a responsible financial consumer, not a very profitable account-holder. My recent balance was $34.05 with a $25.00 minimum payment due. I realized that I had some reward credits available and decided to credit $34.05 to the account to take the balance to $0, right? Wrong! Apparently, even if the reward covers the entire balance due, they do not cover the minimum payment due. Oddly, if I would have had the $34.05 deposited FIRST into my checking account and THEN transferred it back into the credit account, all would be good!?! Unfortunately, that was not the case and so I was charged a $25.00 Late Payment Fee.