@CreditCuriousity wrote:BofA as a bank sucks.. CC lender debateable on who you ask. As a company horribly ran IMO. I switched a few years back and never looked back.
Funny. But i was thiinking about getting in with them. for a credit card. But i still have nightmares when i had an account with them. That was over 15 years ago. and ive never considered them as my bank since. Also when i checked on a checking account Daily Average Balance of $1500 to not get charged a maintanance fee. This must be recent. because my bank requires. $100 daily no fee. And credit union does not care if i only have 50cents. I guess they have to get those bonuses from some where. and what better way than to hit the small guy. 
Decided to hold off on the card, I think seeing my Alma Mater on the card got me a little excited. Funny tid bit: Yesterday they made me re-do my signature 3 times because " it didn't match my signature from 2010, So if I could please recreate it to look more like the one from then." New Bank here I come 
@taxi818 wrote:
@CreditCuriousity wrote:BofA as a bank sucks.. CC lender debateable on who you ask. As a company horribly ran IMO. I switched a few years back and never looked back.
Funny. But i was thiinking about getting in with them. for a credit card. But i still have nightmares when i had an account with them. That was over 15 years ago. and ive never considered them as my bank since. Also when i checked on a checking account Daily Average Balance of $1500 to not get charged a maintanance fee. This must be recent. because my bank requires. $100 daily no fee. And credit union does not care if i only have 50cents. I guess they have to get those bonuses from some where. and what better way than to hit the small guy.
Let's compare nightmares....
I opened an account with their SeaFirst division and really liked it, but I could not do web banking, just computer banking. They only had this back then for SeaFirst and only for the PC. I owned a Mac. So they suggested that I could open a BofA account and I would be able to use my ATM card at the SeaFirst branches, but I could not go in and do banking. I didn't care as I didn't need to go in. They sent me an ATM card. It didn't work. I called them and they said they fixed it so it would. I tried a few days later and it still didn't work. I called, they said fixed. Tried, not fixed. Called again and they assured me this time it would work. I lived about three blocks from a branch and went to check it out and it didn't work. I said put the money, which they took from my SeaFirst account, back into my account. They said they couldn't. I said they took it out, so they could put it back. (Another two phone calls later and the money went back to where it came from.)
Remember the Nations Bank buyout of BofA? I decided to move to Florida. (I once asked why they kept the name SeaFirst instead of changing it to BofA, they told me they did a study to find out how customers would react and that many of them had bad experiences with BofA in the past and if they changed the name they would probably leave.) I was told before I left I would be able to use my account there as if I were in Seattle. Nope, not really. I could only go to the bank and do banking, could not use their ATMs. So I would go to the bank and they would tell me that I was at the wrong bank. Sometimes they were actually a bit rude about it. Even to the branches I went to often! I would have to explain the whole relationship of BofA and SeaFirst. Sometimes they would still tell me I was at the wrong bank. I would have to then insist they try. I also had a credit card with them, which I could not pay at the branch. One day they said that I could now use the branch to pay on the credit card. So I made a test payment. I went to the phone in the lobby and called credit services. They said that they could see information that they had never seen before with a payment. They could even tell which teller I used. So I went back to the teller and made another payment thinking everything was fine. It wasn't. They lost the payment. They even at one point suggested things like I was mistaken or lying. Eventually they did find the payments. (I ended up finding out in this process that I was the first customer to make a payment at a Nations Bank for a BofA credit card.)
So then they said theat I could use ATMs. And there were issues. So Idecided that I would open a local account. Got my check card and went to the ATM to make a deposit. It asked if I was depositing a check, cash, or both. I had both, but I wanted to find out what the difference was. So I opted for check and it gave me a receipt with an image of the check on it. I then deposited the cash. They lost the cash. I did not know, because of course they did not tell me. I went to a grocery store and tried to pay with my check card. It got declined. I called and they informed me that I did not put in the deposit to the ATM. (Which really meant they were saying that I put in an empty envelope, since if you don't put the envelope in, it cancels the transaction.) I had to call back a few times about that and eventually they found the missing money. I asked for check card back and they told me I had to wait a year because of the issue. I argued with them about that, since it ended up being their issue and not mine. They said that was the rule and regardless of it being their issue it was going to be followed. I then went in and closed my account and contacted the EO. They gave me some money as a way of apologizing to me for their errors. I took the money and closed the SeaFirst account too.
I later moved to Michigan and opened an account with Michigan national, which was bought out by Standard Federal, which was later bought out by BofA. I closed the account and went to PNC. One day they had a promotion to open an account and get money, they had some international relationships which I thought might be of a benefit to me, so I opened up the account and took the money and only used it for the benefit of free ATM usage when overseas. I had another issue with them later and decided to be done with them once and for all. (Well it didn't end up that way) Last year they had get a $100 for getting acredit card. I got the $100 and the card really just sits in my sock drawer. (Thanks for the $100!) Any time they want to give me free money I will take it, but don't expect me to actually use their products for their benefit! At some point I will probably open up the Better Balance Rewards card and do as others are doing and using it to make money off of. If it were another bank offering this type of card I don't think I would do it, but for them I would go out of my way to do it!