I have a credit score of 748. My credit card statements were lost/mis-directed and I was late on a payment. My introductory 0% rate credit card immediately jumped to 16.99% costing me over $200. B of A policy is that upon request their manager will call within 24 hours. Eight days later I called back and finally spoke with a manager. If I had been a B of A customer in any other way, in addition to the credit card, I may have had some leverage to have the introductory rate reinstated. However, I am now stuck paying the extra interest, but I just sent the full payoff amount so they won't get more than the $200 out of me. I requested that I be put on their 'do not solicit' list and told Clinton P., the manager, that if they made a mistake and contacted me that I too would be unable to show any mercy and I would push the situation as far as I could. I'll never consider B of A with either my personal or my company accounts again. Credit Unions have been so much easier to work with!