My husband and I have (well, had) 2 accounts with Bank of America. The first had a $22, 000 credit line, and the second has a $7500 credit line. We used the card with the larger credit line to waterproof our basement 3 years ago. We were offered 0% interest for 15 months. We paid that account off and have not used it since. Our other card has approx $5500 on it due to my husbands unemployment last year. We have always paid more than the minimum and have never been 1 day late with any payments. I actually intentionally pay it early. In February... read full review »