What’s your horror story? Do you have praise for a company?
Here is your opportunity to
vent or to sing praises.Perhaps
something happened to you that you want to tell the world about so others can
learn from your experience.Maybe you’ve
read something on this site that makes you hot with anger.Maybe a company has been excellent, and you
want to thank them publicly?Whatever
your situation, we’d love to hear it. The only rule is that you tell the truth,
your story without embellishments and unnecessary self-righteousness. =)
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I am fifty years old and have never had even one late payment for anything, have paid off my car completely and most of my mortgage. I have two Bank of America credit cards. A few weeks ago, they sent me an offer for a balance transfer. When I took them up on it, they denied the transfer and slashed the credit limits on both cards. Then, today I received in the mail an offer for a balance transfer to THE OTHER CARD and the offer encouraged me to make use of the the OLD, MUCH HIGHER credit limit that is no longer available to me. What is wrong with these people?
I have also had outstanding credit 810 and had a Costco AMex card for years, paying on time and many days ahead and at least doubling payment if not more. Now they cut my account down to bal amount and said oH, it is business. Bull!! then I had borrowed on my Chase acct at 3.99% with 2% pmt amount until bal paid off. Now they raised my min. pmt to 5% and 2 and 1/2 time my min. To get away from this big min. I had to agree to raise my int. rate to 7.99 til 8/10 and then my min. went back down to 2% of bal. What a Mafia attitude. I had originally signed a traf check for the 3.99% int plus 2% min. pmt and that was on the back of the staement so how can they do this. They are breaking an agreement contract. i will pay them off ASAP AND i WILL NEVER DO BUSINESS WITH THEM AGAIN. SAME GOES FOR MY AMEX AND ANY OTHER CARD THAT WILL DO THIS. Like sears they always charge 21% or higer int but at least you know that up front. In this economy you would think they would make deals to get their money not put people in bankrupt and with less abillity to borrow, even thought you are an excellent custmore they are now playing with your credit score as lowering your limits lowers your credit score showing that you are unworthy and unstable customer when you were a great one. this country is being run by crooks and we are having our hands tied. I am sending a letter today to the Attorney General of Ill and Cal as to why they should close some of these banks down. I thought I was dealing with ethical companies but We are NOT!!!!
American Express has done it again. They have increased my APR by 49%. There are no lates, etc. ever!!!! Received correspondence from them on 3 of their cards. The APR's on all 3 cards are going up on Oct. 1, 2009. I closed my accounts with them a few months ago because I got tired of their never ending letters "chasing" my credit limits. To my surprise my credit score was NOT adversely affected. We all need to write our representatives and STOP giving American Express our business. DON'T USE THEIR CARDS!!!!!!
My 3rd post in 2 months, Chase just closed down 2 more cards, both in good standing no lates etc. Lets look back 3 cards from HSN master, discover credit limit lowed, Shell card from 13% to 25%, chase cards closed. I was thinking. Whos fault is this. I came to the understanding that our GOVT OFFICAIL includeing the PRES pass a bill to change credit laws taken effect FEB 2010 why couldn't the date been sooner? GOVT gave enough time to credit companys to change the rules again. ONCE AGAIN OUR GOVT SCREWED US and there know what they did! How much money was made off the lobbiest ? Remember them when you vote!! Get the bums out of office.
Amex is the ONLY credit card company that has a closed loop system. The database marketing power they possess is the envy of Visa & MC. You see, Amex is both the issuer and the merchant bank for any particular customer/merchant transaction. They can see both sides of the same transaction, link them together, analyze, then discriminate. Maybe Visa & MC issuing banks should decline credit cards to people who also have Amex cards. Wouldn't that be poetic justice? It could read something like: "We regret to inform you that we cannot extend you credit at this time because cardholders who also have open American Express card accounts spend less with Visa/MC. Therefore, we don't anticipate this account being profitable for ________ bank." Love it!
I have $56k in avail credit lines. All zero balances.
I have went cash only, except for when it is inconvenient to use cash, such as reserving an airline ticket, rental cars or hotels. And even when I rent a car or stay at a hotel, I always pay my bill in cash upon return/checkout. The banks aren't going to use me as a wealth generator anymore. Now, I only take money from banks in interest, the way it should be. A wise man earns interest; an unwise man pays it.
In response, I think you were treated very unfairly. This is when you should go see a branch manager at BofA. They have the authority to override this. After 18 years, you should qualify for AV status.
In response, I am in almost the identical same boat, but they haven't cut me yet, however, I'm anticipating it. The reason they're doing this is that the bank has to hold reserves against this credit line, used or unused. And because all their mortgages and equity lines are going to Sh$t, they need reserves badly. Hence they need to cut unused credit lines to avoid having to reserve against them.
I see amex is a popular troublemaker! I don't have a big thriller but an inconveniece nonetheless
I had used my american express card at a BP Aamoco gas station July 19 2009. I swiped it at the pump and it directed me to the attendant. I went to the attendant and he told me he doesn't use that card although it says it on the pump. I then went to another nearby BP Aamoco station and the same thing happened:this time the attendant told me toswipe my card at the register and my card was declined. When I called amex I got a recording stating that I hadn't sed the card in awhile and I had tried to make numerous transactions in a short period of time so their might be identity theft. I believe the recording said to call in and verify I was the customer and not a thief. I then talked to someone from India who told me a similar scenario- identity theft,etc. I asked to speak to a supervisor there and he told me the hold could take up to 7 days. Since then I have been speaking to customer service reps and supervisors and they all told me to contact the vendor (BP Aamoco) because it was the vendor not their company. It has been a grueling week going back and forth with lies(when I called BP Aamoco they told me all credit card company processing centers put holds on credit cards used at a gas pump: it could be 1 to 100 dollars) and told me they can't physically put a hold on a credit card only the cc company can do it.
How do I make a formal complaint about the blatant lies amex has told me?
Lets start a revolt with credit cards. Don't use them don't take credit increases which later on will be offered to you. Don't be a sucker any more. Hurt them where we can (making money) mabe we can't hurt them now but sooner or later we will be noticed. when you get those great offers, say no to them. REVOLT REVOLT SPREAD THE WORD REVOLT the only way we can......
My shell gase card, went from 14.99 to 25%. HSBC decrese credit $6100 to $300. Chase increse payment from 2% to 5% and etc. All I can do is say thank you for teaching me that you are are not trust worthy credit card companies. The last laugh will be them. I will not use them any more thier Will not make money from me and I think lots of us will be doing same thing. I will be refuseing any furture credit increases. Now how will card companys make money if we don't use them! See if their can stay in business later on. Don't let them use you, refuse there services.
In October 2008 I transferred my Amex balance when they cut my credit limit from "no limit" to $4,300 for no reason (my balance was about $3,750). I have not used the card since then. Yesterday I got a form letter from them saying they were giving me a "no limit" card once again. The letter was very funny. It was like a lecture from my mother. They were increasing my limit but were going to continue to monitor my spending and charging and if I should overspend they would lower the limit again. Like I would ever use their card again, really.
my husband and i worked are *** off to pay are credit cards ,home mortgage ,car loan on time just to establish a good credit score . my husband lost his job due to economy now we cant pay anything and are credit score is shot now we dont qualify for anything! bank of america gave us a home equity loan for 100,000 and then when we needed to use it to pay everthing off before are credit went bad they had already took it away .
Reply to Raymond B:
I agree with you--MBNA did a great job with their credit card division. I had specifically opened an account with them because I'd had such a good experience with them in the past. What to do? I don't know. They have us. You can definitely not use the card much, but like you, I don't want my credit score impacted as I plan to buy a house within the next year, so I don't want to close the account. If we don't use it enough, they can and will cancel it. Annual fees may come back, too. I'll probably get rid of it then, regardless. But I'll hold out as long as possible. I also have a Discover card that I've had for years, but haven't had one bit of issue with them--yet.
I agree with Jeff. STOP USING AND ACCEPTING AMERICAN EXPRESS CARDS!!!!!!
Amex has reduced my credit limits on all 3 of my cards multiple times. Most recently, my Gold Card credit limit was reduced to $160 over my balance. I decided to "cancel" all 3 cards after doing business with them since 1989.
Well, I thought I would have a difficult time transitioning from using the Gold Card to using my debit card. But..............to my surprise it was easy!!!!!!!!! I now realize I never did need their card.
Lastly, I will no longer accept the American Express Card as an acceptable form of payment in my business.
If we can all just pay our cards down to zero, then not use the cards anymore, the lenders will not have any balances on which to charge interest and fees. If we all can do that, the banks will have no choice but to either change to a more consumer friendly attitude very quickly or go out of business altogether. Let's all do this together and take control of them and not let them control us!!
Typical story with American Express--the Costco Card.
I got the card with no problem, but with a relatively small $2000 limit.
Within a few months they abruptly cut me to $1200 without good advance notice.
Next they abruptly left me hanging with declined charges until a notice finally arrived that my account had been cancelled.
From the "git go" I paid my balances frequently through bank interfund transfers. It wasn't that I was "late"; I was "early" if anything!
Question for Readers: I am waiting right now for my rebate (today is July 1, 2009). Do you agree that they owe me whatever rebate I earned on the Costco card agreement until they cancelled me?
Or does the fine print put my partial year rebate in their pockets?
Directed at Donna L Scott...
I too have suffered at the hands of BofA, via accounts that were formerly MBNA (an outstading company in my opinion). They have collectively reduced my overall credit limit in half, a whopping reduction of $30,000.00. One card which was canceled altogether I have had for over 18 years. When I mentioned this fact, BofA could have cared less! When I also mentioned I'm in the position to buy a new first time home, and that they are negatively affecting my credit to debit ratio (hence my credit score), the BoA rep flatly denied that my credit score would be impacted. Oh Really!!!! Needless to say I have nothing but contempt for a company that has no loyalty to its longer term customers, especially in my time of need, and then lies to your face about it.
P.S. Yes I too have stellar credit, little debt, and own my own corporation. How do we remedy this type of behavior?
My story is pretty simple. A basic letter from BOA cutting my $28,000 credit limit in half, to $14,000. A credit score of 816 and I always pay my balance in full every month. So, I called them and there was no way I was getting the $28,000 limit reinstated, even after I demanded that they do so. I got the standard spiel that BOA is reassessing its credit card practices to be more in line with the new economic landscape, yada, yada, yada, ad nauseum. I managed to get them to agree to $15,000. Wow, I smell appeasement. I'm going to cancel it after having it for over 10 years. Of course, this card started out being MBNA before BOA consumed it.
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About Me
Greetings! I’m Kevin D. Johnson, a business owner who has recently assumed the role of consumer advocate and internet activist. Atlanta, Georgia is my home.
My Story
Upon returning from my wonderful honeymoon in Jamaica in October 2008, I received what I thought was an ordinary American Express bill, but to my surprise it was a disappointing letter informing me that my credit line was reduced by about 65% for a highly suspicious and discriminatory reason. Considering my excellent credit score and pristine payment history, it just didn’t make sense. However, what does make sense are the unfair and insidious policies that I have uncovered when asking why. It is time to change them.
Good Morning America tells my story.
The Goal
I created this web site to document and share my challenging journey to change what is wrong, unfair, and unjust in the credit card industry. The ultimate goal of this web site is to inform consumers of ways to stand up for themselves against treacherous business practices and to educate consumers about how to improve their credit. Finally, I hope to encourage a more open dialogue with credit card companies about their policies–good and bad.
Success
I am proud to say that this blog's unyielding demand for change led to an important amendment in the final Credit CARD Act signed by President Obama on May 22, 2009. Despite this major accomplishment, there is still more work to be done.
Testifying at a bill hearing in Annapolis, Maryland
Speaking Engagements
In an effort to educate as many people as possible about financial management, especially about how to manage the current credit crisis, I have begun to speak around the country at colleges, universities, corporations, chamber of commerce meetings, congressional hearings, trade organization meetings, etc. Having acquired a wealth of information that will help to empower people and to improve their financial future, I feel that sharing this information is the least I can do to make a positive impact. For information on my availability for speaking opportunities, please send an e-mail to Jennifer Silverman at jennifer@silvermanworldwide.com.
Speaking at a university
Disclaimer
All information provided on NewCreditRules.com is provided for information purposes only and does not constitute or substitute for professional financial advice. Information on NewCreditRules.com is subject to change without prior notice. Although every reasonable effort is made to present current and accurate information, NewCreditRules.com makes no guarantees of any kind. This web site may contain information that is created and maintained by a variety of sources both internal and external. These sites are unmoderated forums containing the personal opinions and other expressions of the persons who post the entries. NewCreditRules.com does not control, monitor or guarantee the information contained in these sites or information contained in links to other external web sites, and does not endorse any views expressed or products or services offered therein. In no event shall NewCreditRules.com be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site or resource.
Greetings! I’m Kevin D. Johnson, a business owner who has recently assumed the role of consumer advocate and internet activist. Atlanta, Georgia is my home.
Upon returning from my wonderful honeymoon in Jamaica in October 2008, I received what I thought was an ordinary American Express bill, but to my surprise it was a disappointing letter informing me that my credit line was reduced by about 65% for a highly suspicious and discriminatory reason. Considering my excellent credit score and pristine payment history, it just didn’t make sense. However, what does make sense are the unfair and insidious policies that I have uncovered when asking why. It is time to change them.
I created this web site to document and share my challenging journey to change what is wrong, unfair, and unjust in the credit card industry. The ultimate goal of this web site is to inform consumers of ways to stand up for themselves against treacherous business practices and to educate consumers about how to improve their credit. Finally, I hope to encourage a more open dialogue with credit card companies about their policies–good and bad.
I am proud to say that this blog's unyielding demand for change led to an important 
I am fifty years old and have never had even one late payment for anything, have paid off my car completely and most of my mortgage. I have two Bank of America credit cards. A few weeks ago, they sent me an offer for a balance transfer. When I took them up on it, they denied the transfer and slashed the credit limits on both cards. Then, today I received in the mail an offer for a balance transfer to THE OTHER CARD and the offer encouraged me to make use of the the OLD, MUCH HIGHER credit limit that is no longer available to me. What is wrong with these people?
Posted by: Tom A. | September 22, 2009 at 04:27 PM
I have also had outstanding credit 810 and had a Costco AMex card for years, paying on time and many days ahead and at least doubling payment if not more. Now they cut my account down to bal amount and said oH, it is business. Bull!! then I had borrowed on my Chase acct at 3.99% with 2% pmt amount until bal paid off. Now they raised my min. pmt to 5% and 2 and 1/2 time my min. To get away from this big min. I had to agree to raise my int. rate to 7.99 til 8/10 and then my min. went back down to 2% of bal. What a Mafia attitude. I had originally signed a traf check for the 3.99% int plus 2% min. pmt and that was on the back of the staement so how can they do this. They are breaking an agreement contract. i will pay them off ASAP AND i WILL NEVER DO BUSINESS WITH THEM AGAIN. SAME GOES FOR MY AMEX AND ANY OTHER CARD THAT WILL DO THIS. Like sears they always charge 21% or higer int but at least you know that up front. In this economy you would think they would make deals to get their money not put people in bankrupt and with less abillity to borrow, even thought you are an excellent custmore they are now playing with your credit score as lowering your limits lowers your credit score showing that you are unworthy and unstable customer when you were a great one. this country is being run by crooks and we are having our hands tied. I am sending a letter today to the Attorney General of Ill and Cal as to why they should close some of these banks down. I thought I was dealing with ethical companies but We are NOT!!!!
Posted by: Diane | September 10, 2009 at 04:52 PM
American Express has done it again. They have increased my APR by 49%. There are no lates, etc. ever!!!! Received correspondence from them on 3 of their cards. The APR's on all 3 cards are going up on Oct. 1, 2009. I closed my accounts with them a few months ago because I got tired of their never ending letters "chasing" my credit limits. To my surprise my credit score was NOT adversely affected. We all need to write our representatives and STOP giving American Express our business. DON'T USE THEIR CARDS!!!!!!
Posted by: Fed Up | August 12, 2009 at 09:35 PM
My 3rd post in 2 months, Chase just closed down 2 more cards, both in good standing no lates etc. Lets look back 3 cards from HSN master, discover credit limit lowed, Shell card from 13% to 25%, chase cards closed. I was thinking. Whos fault is this. I came to the understanding that our GOVT OFFICAIL includeing the PRES pass a bill to change credit laws taken effect FEB 2010 why couldn't the date been sooner? GOVT gave enough time to credit companys to change the rules again. ONCE AGAIN OUR GOVT SCREWED US and there know what they did! How much money was made off the lobbiest ? Remember them when you vote!! Get the bums out of office.
Posted by: Robert | August 01, 2009 at 06:24 AM
Amex is the ONLY credit card company that has a closed loop system. The database marketing power they possess is the envy of Visa & MC. You see, Amex is both the issuer and the merchant bank for any particular customer/merchant transaction. They can see both sides of the same transaction, link them together, analyze, then discriminate. Maybe Visa & MC issuing banks should decline credit cards to people who also have Amex cards. Wouldn't that be poetic justice? It could read something like: "We regret to inform you that we cannot extend you credit at this time because cardholders who also have open American Express card accounts spend less with Visa/MC. Therefore, we don't anticipate this account being profitable for ________ bank." Love it!
Posted by: John | August 01, 2009 at 01:37 AM
I have $56k in avail credit lines. All zero balances.
I have went cash only, except for when it is inconvenient to use cash, such as reserving an airline ticket, rental cars or hotels. And even when I rent a car or stay at a hotel, I always pay my bill in cash upon return/checkout. The banks aren't going to use me as a wealth generator anymore. Now, I only take money from banks in interest, the way it should be. A wise man earns interest; an unwise man pays it.
Posted by: John M | July 30, 2009 at 01:53 AM
Posted by: donwest | July 01, 2009 at 04:04 PM
In response, I think you were treated very unfairly. This is when you should go see a branch manager at BofA. They have the authority to override this. After 18 years, you should qualify for AV status.
Posted by: John M | July 30, 2009 at 01:41 AM
Posted by: Raymond B | June 25, 2009 at 12:06 PM
In response, I am in almost the identical same boat, but they haven't cut me yet, however, I'm anticipating it. The reason they're doing this is that the bank has to hold reserves against this credit line, used or unused. And because all their mortgages and equity lines are going to Sh$t, they need reserves badly. Hence they need to cut unused credit lines to avoid having to reserve against them.
-John
Posted by: John M | July 30, 2009 at 01:34 AM
I see amex is a popular troublemaker! I don't have a big thriller but an inconveniece nonetheless
I had used my american express card at a BP Aamoco gas station July 19 2009. I swiped it at the pump and it directed me to the attendant. I went to the attendant and he told me he doesn't use that card although it says it on the pump. I then went to another nearby BP Aamoco station and the same thing happened:this time the attendant told me toswipe my card at the register and my card was declined. When I called amex I got a recording stating that I hadn't sed the card in awhile and I had tried to make numerous transactions in a short period of time so their might be identity theft. I believe the recording said to call in and verify I was the customer and not a thief. I then talked to someone from India who told me a similar scenario- identity theft,etc. I asked to speak to a supervisor there and he told me the hold could take up to 7 days. Since then I have been speaking to customer service reps and supervisors and they all told me to contact the vendor (BP Aamoco) because it was the vendor not their company. It has been a grueling week going back and forth with lies(when I called BP Aamoco they told me all credit card company processing centers put holds on credit cards used at a gas pump: it could be 1 to 100 dollars) and told me they can't physically put a hold on a credit card only the cc company can do it.
How do I make a formal complaint about the blatant lies amex has told me?
Posted by: Oz | July 28, 2009 at 06:51 AM
Lets start a revolt with credit cards. Don't use them don't take credit increases which later on will be offered to you. Don't be a sucker any more. Hurt them where we can (making money) mabe we can't hurt them now but sooner or later we will be noticed. when you get those great offers, say no to them. REVOLT REVOLT SPREAD THE WORD REVOLT the only way we can......
Posted by: Robert | July 11, 2009 at 09:48 AM
My shell gase card, went from 14.99 to 25%. HSBC decrese credit $6100 to $300. Chase increse payment from 2% to 5% and etc. All I can do is say thank you for teaching me that you are are not trust worthy credit card companies. The last laugh will be them. I will not use them any more thier Will not make money from me and I think lots of us will be doing same thing. I will be refuseing any furture credit increases. Now how will card companys make money if we don't use them! See if their can stay in business later on. Don't let them use you, refuse there services.
Posted by: Robert | July 11, 2009 at 09:40 AM
In October 2008 I transferred my Amex balance when they cut my credit limit from "no limit" to $4,300 for no reason (my balance was about $3,750). I have not used the card since then. Yesterday I got a form letter from them saying they were giving me a "no limit" card once again. The letter was very funny. It was like a lecture from my mother. They were increasing my limit but were going to continue to monitor my spending and charging and if I should overspend they would lower the limit again. Like I would ever use their card again, really.
Posted by: Sandy23 | July 09, 2009 at 01:13 PM
my husband and i worked are *** off to pay are credit cards ,home mortgage ,car loan on time just to establish a good credit score . my husband lost his job due to economy now we cant pay anything and are credit score is shot now we dont qualify for anything! bank of america gave us a home equity loan for 100,000 and then when we needed to use it to pay everthing off before are credit went bad they had already took it away .
Posted by: SARA | July 07, 2009 at 09:57 PM
Reply to Raymond B:
I agree with you--MBNA did a great job with their credit card division. I had specifically opened an account with them because I'd had such a good experience with them in the past. What to do? I don't know. They have us. You can definitely not use the card much, but like you, I don't want my credit score impacted as I plan to buy a house within the next year, so I don't want to close the account. If we don't use it enough, they can and will cancel it. Annual fees may come back, too. I'll probably get rid of it then, regardless. But I'll hold out as long as possible. I also have a Discover card that I've had for years, but haven't had one bit of issue with them--yet.
Posted by: Donna L. Scott | July 05, 2009 at 07:28 PM
I agree with Jeff. STOP USING AND ACCEPTING AMERICAN EXPRESS CARDS!!!!!!
Amex has reduced my credit limits on all 3 of my cards multiple times. Most recently, my Gold Card credit limit was reduced to $160 over my balance. I decided to "cancel" all 3 cards after doing business with them since 1989.
Well, I thought I would have a difficult time transitioning from using the Gold Card to using my debit card. But..............to my surprise it was easy!!!!!!!!! I now realize I never did need their card.
Lastly, I will no longer accept the American Express Card as an acceptable form of payment in my business.
Posted by: Terry | July 04, 2009 at 09:56 PM
If we can all just pay our cards down to zero, then not use the cards anymore, the lenders will not have any balances on which to charge interest and fees. If we all can do that, the banks will have no choice but to either change to a more consumer friendly attitude very quickly or go out of business altogether. Let's all do this together and take control of them and not let them control us!!
Jeff
Posted by: Jeff | July 04, 2009 at 08:52 AM
Post Number 2: The Visa "Black Card".
Thursday evening, June 25: I did a bank transfer of over $4,000 to pay my Visa Black Card in full.
June 29: The money is deducted from my bank account.
July 1, 7:10 pm: My available credit is still ZERO. Black Card has not posted my payment.
What am I not understanding about this process?
Posted by: donwest | July 01, 2009 at 04:12 PM
Typical story with American Express--the Costco Card.
I got the card with no problem, but with a relatively small $2000 limit.
Within a few months they abruptly cut me to $1200 without good advance notice.
Next they abruptly left me hanging with declined charges until a notice finally arrived that my account had been cancelled.
From the "git go" I paid my balances frequently through bank interfund transfers. It wasn't that I was "late"; I was "early" if anything!
Question for Readers: I am waiting right now for my rebate (today is July 1, 2009). Do you agree that they owe me whatever rebate I earned on the Costco card agreement until they cancelled me?
Or does the fine print put my partial year rebate in their pockets?
Posted by: donwest | July 01, 2009 at 04:04 PM
Directed at Donna L Scott...
I too have suffered at the hands of BofA, via accounts that were formerly MBNA (an outstading company in my opinion). They have collectively reduced my overall credit limit in half, a whopping reduction of $30,000.00. One card which was canceled altogether I have had for over 18 years. When I mentioned this fact, BofA could have cared less! When I also mentioned I'm in the position to buy a new first time home, and that they are negatively affecting my credit to debit ratio (hence my credit score), the BoA rep flatly denied that my credit score would be impacted. Oh Really!!!! Needless to say I have nothing but contempt for a company that has no loyalty to its longer term customers, especially in my time of need, and then lies to your face about it.
P.S. Yes I too have stellar credit, little debt, and own my own corporation. How do we remedy this type of behavior?
Posted by: Raymond B | June 25, 2009 at 12:06 PM
My story is pretty simple. A basic letter from BOA cutting my $28,000 credit limit in half, to $14,000. A credit score of 816 and I always pay my balance in full every month. So, I called them and there was no way I was getting the $28,000 limit reinstated, even after I demanded that they do so. I got the standard spiel that BOA is reassessing its credit card practices to be more in line with the new economic landscape, yada, yada, yada, ad nauseum. I managed to get them to agree to $15,000. Wow, I smell appeasement. I'm going to cancel it after having it for over 10 years. Of course, this card started out being MBNA before BOA consumed it.
Posted by: Donna L. Scott | June 22, 2009 at 05:50 PM