Bank of America Credit Cards

The number one reason never to get a Bank of America Credit Card is because when you bank with the same organization you have a credit card with Bank of America takes advantage of this and their collection practices are very very unethical.

ALL BofA cards seem to have either an annual fee or as this card, a foreign transaction fee, unlike those of other banks (e.g. Capital One). NOWHERE on the literature that came with the card was this mentioned. The previous one I had from them had an annual fee after one year; at least this was mentioned in 'small fine print'. What is the use of being a BofA Preferred Customer? What does one get for the trouble?

If these banks fear aggression of outside hijacking then you might as well hang it up. This review is based on access and what I believe a control due to fear. Please know my husband possessed this card many many yrs ago and there were multiple problems accessing which created an issue paying the card. What seemed every other month I had to change passwords, a password recorded and right next to me used several times, while trying to access the account they continued their denial access. This lead calling BOA what seemed hours unlocking accounts. Today it seems not much has changed. The hoops one must jump through to access the app which is lacking, which I then deleted, and the internet online access deemed too much time. Something that should take minutes turn to hours most of us do not have just to pay a CC bill.

My ex-wife continued to use my credit card that was in my social security number and not a joint account. I reported it as fraud and they declined me because my ex was smart enough to change the address on the account to her own. I refuted stating that I never once resided in her apartment address and they did not thoroughly investigate and claimed that purchases were made when "we lived together". I offered to provide the divorce paperwork showing the legal date of divorce, and consent to look into my legal addresses, my sales agreement from when I sold the house we bought together and my current renters agreement to show that the dates lined up. They were of no help, did not contact me during the investigation to confirm anything and rejected my fraud claims. I would not remember this company for security and safety. I have had much more success with my security and safety with their competitors of whom I will not name here.

I applied for a BofA credit card in July. I kept checking their online portal for updates because it was taking so long to get any information. There was no useful information online - the entire 4 weeks all it said was that it was still in review and to check back later. The portal was useless. I finally received a letter in the mail 4 weeks later just to inform me that they needed more information in order to completely process my application. I called the number on the letter and it was the fraud department. I have never had any fraudulent activity on my credit so that was a complete surprise but I provided them with the information that they asked for. They said I was verified and all set and that my application would go to review again.

Seriously!! On 080421 I made my cc payment towards my credit card of $291.?? And first thing this morning I have my personal checking account (different bank) overdrawn by nearly 8 grand. What the Hell?? So checking for what came through of course it was Bank of America payment. I tried my best to find the email usually sent after the payment was made, it’s missing. And now because they pulled all that money, BofA closed out that card. Now I’m just waiting for both BofA and my personal bank to open so I can try my best to get to the bottom of this crap. NEVER has this happened from BofA nor Any other credit card I have. Gosh!! Bank of America use to be the standard for banking, but Not over the past many years. #StayAwayFromBofA

This bank denied charges made due to suspicion of possible fraud, then unlocked the card. I received documentation from the store, they cancelled my order on the day of denial. This bank states it is keeping the charge pending half a month, stating they released the funds after their denial, (over $1000) stating "the purchase may go through", despite the stores cancellation email. The first bank call said the charge would drop off in 5 days. The second bank call (manager) gave an estimate of additional 5 plus work days, refusing to remove the denial and placing blame/responsibility on the store that immediately cancelled the order after the bank denied it. I do NOT recommend this bank

B of A has been a nightmare over the years, if it wasn't for Alaska Airlines card I would have nothing to do with them. I have had a problem getting my bills so I could pay them on time. I have had payments made to the wrong account a couple of times. Once they fixed it the other time they acknowledged it but still charged me a late fee and interest. My credit score has been consistently in the high 700s and in the 800s. I think I know now why they are so profitable, I pay my entire credit card bills off each month. I figure they don't like that so they duplicitously find a way to charge more.

This is the worst credit card I have ever had in 40 yrs. If I could give negative stars I would. I have spent hours on the phone to unlock my card. I have a credit on this card (transferred from my bank), that is being held for 10 business days and I can not use the card at all until then. I was planning on paying my contractor, but can't use the card. I can't write him a check, because my bank authorized the amount within 24 hours, so the money is no longer in my checking account. So now my contractor has to wait 14 days (yup, that is 10 business days) to get paid.

Tried for 10 days to close account. Was instructed to do it over the phone, can’t reach a live person at a branch or the “business center (!)”, can’t hold or leave a message, then call ends with “goodbye”. You are more likely to win the lotto or get struck by lightning than to get help with their “walk in service”!