Im not able to a pay my balance right now on my Bank of America Card. But they are cancelling me because TransUnion reportes that I have a collections account which I know will take forever to remove. ( Removed it from Ex ) So, Im debating whether to let BOA Cancel me or If I should cancel them. THe BOA rep told me it would be bad if I closed my account with a balance. ( which I expect her to say because she works there) So which is the better of two evils? I have less then two days to cancel them before they cancel me. HELP!!!!!! and whats with the attitude at BOA? Their customer service is awful. . . . I hope someone can help....