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  • Michichael
  • Member Since Feb 16th, 2010

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Recent Comments:

WoW Archivist: Scepter of the Shifting Sands {WoW}

Aug 30th 2011 6:14PM I'm actually working on a video regarding this quest chain. You can see some of my WIP stuff here:

http://www.youtube.com/watch?v=-wHFB8t0phQ

Survey says, the bigger the bank, the less people trust them {WalletPop}

Feb 16th 2010 3:20PM Yup. I pulled my money out of Bank of America after they backdated my rent debit to 2 days before it was ever submitted, causing 5 overdrafts and over $200 in fees. They refused to admit fault and I pulled all of my money from them and went with a local credit union. I pulled my car loan from them and went with the local credit union even though they were $40 more a month.

The only account I still have with them is my AMEX, and that's only because I have them in a binding contract for a permanent 7.9% fixed rate APR that they can't change. They tried doing the whole "We're going to up your rates if you use the card" bit so I just didn't use the card - nobody did. They I got a call saying "Well we backed off of that so you can use your card."

That's proof that the customer did something - everyone either closed their accounts or opted out, so they had 0 business, or at least enough reduction in business that they had to go back to the lower profit margin business, because low profits are better than no profits. They don't make money if you don't use your card and pay it off early.

I'm still carrying a 10k+ balance on that card, but it's my only credit card, and I haven't found one that can beat the 7.9% fixed rate to transfer to. if I could find a card that would take that transfer and still give me a 7.9% or lower APR I'd do it - BoA doesn't care about anyone but themselves.