People be careful in dealing with Bank of America, they have ruined my credit by decreasing credit limit and reporting as if I went over my credit limit. I have never missed a beat with this account, paying twice as much of the minimum payment due. I have paid roughly $10, 000 on this account but the way they report to the credit bureau seems as if you are up to your limit due to limit reduction that is being done all over the Country. I closed this account when banks started having problems with loans and never used their services again since... read full review »