So I am furious and livid with Bank of America or what I would like to call Bank of ASSHOLES!!!
A few days ago I logged into my account online just to make sure everything was O.K with my accounts. Make sure bills were being paid ..etc. When I noticed that my Credit Card limit went from $6000 down to $500. My first reaction was "wow there must be a mistake let me call them" I have never been late with my credit card payment and had basically paid the account in full at this point. I am speaking to customer care representative. And he told me that because I was late on my mortgage a few months back I was considered a high risk client.
So a little background information..... Back in January I was jobless, I had no tenants in my home, I was heart broken, and 10,000 mile away from family. I was going through a really ruff time and I was trying to do my best to keep my head above water. I have always taken a lot of pride in being financially responsible but shit happens and I did the best I could. I was one month behind on the mortgage for a few months (which I understand that it doesn't look good but its like I was missing payments for 3 or 4 months). As soon as I got back to New York I got up-to-date with my mortgage and have been paying it on time ever since.
The part that pisses me off like crazy is that what if I had gone away somewhere and I would have used my card??? I get to the counter and the person behind it says my card has been declined??? Do you know how embarrassing that would have been! Till this day I have yet to recieve a letter or a call letting me know that they were cutting my credit limit so drastically. I tried to negotiate with the guy letting him know my situation and asking him to go through my payment history on that card and to see if I can strike a deal and maybe rise the limit up to a reasonable number in which we can both be happy. Want to know what that ASSHOLE DID???......... HE CLOSED MY ACCOUNT COMPLETELY!!!!
I can give you all the boring details on how I called like 3 more times and spoke to one asshole after another. What makes me really upset as well is that I was trying to start this new chapter in my life and start this business venture and use the Credit cards as just back up. I now have to rethink my whole plan and its going to set me back. The cards I was going to use as a security measure but now that idea went down the drain. I went to check my credit scored and it dropped from a 750 down to a 685 which is still considered to be good credit. Its going to take about 1/2 a year to rebuild my credit so its back into the excellent category. I'll apply for a new card in december but not with BOA!!!!
BOA SUCK MY DICK BITCH!!!!!!
Till next time
On a lighter note I saw 2 great movies these past few weeks one was "Julie and Julia" and I saw "500 days of Summer" Both movies were wonderful and I recommend that you see them.