I received a call from B of A at 745am this morning and the rep asked all sorts of questions regarding employment, income, etc... I had recently done a balance transfer at 0% (have it until Mar. '10) but this is the one transfer I will do. They reduced my credit limit by $6500, had been at $17500 and my balance is under for $4,000. I'll have it paid off before March so I will be ok but I was concerned when the option was removed when I checked my account online. I called B of A and she told me the 0% still is good through Mar '10 but if I needed to do another transfer, I would have to call in. I think I will stick with Citi as my primary card since I've had them for 17+ yrs and they've never treated me like this.