How do you feel about BOA?
Personally, I don't like them as a credit card provider, I have made no secret of that but there are tons of people who would jump to defend them and say all kinds of good things about them. But ultimately keep in mind that anyone's opinion of a bank is just that, THEIR opinion and everyone's condition is different and how they are treated is different so no one say with 100% certainty that a bank is one or the other, its all anectodal. With banks like HSBC or Crapital One, there is just SO MUCH evidence that it becomes pretty well agreed but with Amex, Chase, BofA, there is little to no consistency other than the fact that they screw their people for no reason and with little notice and that's about it, not too much else has consistency of agreement. Some would say Amex is great, they are getting nice rates, nice CLs but then others would swear they are scum, balance chasing, cutting limits, increasing rates, who do you believe? depends on the circumstance and how closely you match which side. So on and so forth. On occassions banks like US Bank end up being those hidden jems that most people would say nice things about becuase they have not shown to screw people, but hell even with that only time will tell. Even the bad ones didn't start screwing people on day one. Although USB is unlikely to turn bad, its pretty safe to assume on them.