A little over a year ago a Bank of America representative almost begged me to take a credit card. I explained that I didn't want it, but of course she said it was too good of a deal to turn down. I have almost believed her until now. I used the new card and did everything I was supposed to do. I paid my bill on time (except for one time and I called them to let them no what was going on) and I never went over my credit limit. Several months later they increased my credit limit. Again I used the card a good bit and was probably... read full review »