I have had bank of america for almost two years, my credit limit since I have opened the account has been always $4000. I never asked for a credit increase or to lower my APR. In fact when I opened the account I had a one year with zero APR and then when the year was over they decided to raise to 29%. I have had a high balance on the card and almost maxed out for the passed couple months, due to that my wife had lost her job and I had to pay her bills too. Last week I got my tax return and I paid off my entire balance to bring my balance to... read full review »