I never applied for or asked for a Bank of America Master card. My bank was bought out, and Bank of America sent me one, one day out of the blue. Within a few months BoA was told to close that branch because they owned too many in our stae, so close together. For years, I didn't even use this card, once I did, BoA began to raise the credit limit again and again, tempting me to spend more and more, but I ddidn't. Finally, after doing some checking on what makes a credit score even beter, I wrote to them and asked them not to raise... read full review »