I only know BoA from my major credit cards. I have a "tolerate/despise" relationship with them.
Hubby and I had our big 3 credit cards with MBNA and I actually liked that company. The customer service was excellent and eventually our interest rates on PURCHASES was 4.9% for the Visa and MC and 8.9% on the Amex. MBNA used to offer no fee/0% interest cash advances, seriously. You could borrow a crapload of money from them for 12 months for free stick it in a high interest savings account or short term CD and then pay the money back, keeping the interest.
Then BoA bought them. Customer service went to shit, they started getting squirrely with the billing cycles and I was told by a customer service rep that they no longer offered the credit terms I have ... so I'm kind of stuck with them now because I don't want to lose the 4.9% cards, came in handy when we bought the new (used) car.
I didn't read it, but I wish I could invent a fake fee to charge THEM, the way they keep doing to me, my wife, and our business. They're the sneakiest bunch of racketeers I've ever know, and that includes the Italian, Persian, and Cuban Mafias.