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Bank of America is pretty much arbitrarily changing the terms for its credit card holders. In the last 6 months, they lowered my credit limit by $3000 without notice. Curiously, they lower the limit as soon as I pay down the balance.
When I called BoA about this, I was told that they would not increase the credit limit. However, a senior credit analyst and a supervisor suggested that I apply for a secured credit card to get a higher limit. I applied for the secured credit card online, and was promptly rejected. (A secured card carries no risk for the bank, since the credit line is secured by a deposit in the amount of the credit limit.)
When I called to inquire about this the next day, I was told by "George" in the secured credit card department that one could not have two credit cards with BoA. So I asked him how to solve my problem. George told me that he could not solve it because there are two separate departments -- one that deals with my credit card and one that deals with applications for a secured credit card. I asked to speak with someone who could deal with both departments; George told me that there was no one, because they are two separate and unrelated items. When I pointed out that the two issues are related because my application was denied because I currently have an unsecured credit card, George said he was trying to "educate" me.
After reaching an impasse, I asked to speak to his supervisor, and this is where it gets weird. George refused to let me talk to a supervisor, saying there was no supervisor. When I asked if he reported to someone, he gave me a runaround saying that "we all run this department." After five minutes of this bizarre conversation, he finally gave me the name Ken Lewis. Lewis is the President and CEO of Bank of America, by the way -- not a supervisor. Finally, George admitted that there was someone who wrote his evaluations; but he refused to give me a name and refused to let me speak to this person.
Has anyone else been refused when asking to speak with a supervisor? This conversation was just bizarre.
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