Bank of America (credit cards) sucks

After decades of banking with Bank of America and using their credit cards, I discovered, to my chagrin, that they were charging me an unbelievable 38% interest. They refused to lower that rate to the more reasonable, lower rates of my other cards.

So, I canceled the card.

Months later, got a notice of a credit of over US$140 on the card. No way on the hard copy to ask for the credit back (other credit card companies, upon cancellation, automatically mail you a check with the refund).

With this Bank of America credit card, however, the poor customer service was as follows:

• Refused to lower the interest rate.
• Fought me against cancellation.
• After cancellation, took 4 months to mail a notice of the credit.
• No way on the hard copy to ask for a check for the refund.
• I had to call the 800 number. No clear way to ask for a refund or speak to a human being.
• I then had to click on "report lost card" to get an option (FINALLY and counter-intuitively to have a refund check mailed which will take 7-10 days).

I will never bank with this horrible group again.