B of A: Higher Standards? Right.

New Bank of America branch

I called up Bank of America to request a credit line increase. I’ll do the mini-rant in reverse and say first-off that I was successful. Now for my issues:

  • Discovering that their online page for Credit Line Increases is broken.
  • Entered in my account info and finding that none of the options were “to request a credit line increase press…”
  • Waiting through a list of 9 options to find that out and still not be offered a means to speak to a representative.
  • 23 minutes on hold after pressing 0.
  • Hearing the same 3 muzak songs over and over while on hold.
  • Hearing the same 3 ads over and over, one of which asked, “Did you know that you could perform many services using Bank of America’s website such as applying for a credit line increase?” *aaaaaaaargh!
  • Upon reaching the representative, having to give my account information… again.
  • Having to give additional information as part of the application that, after asking, I found out she already had access to and didn’t really need for me to verify.
  • The amount of an increase I qualified for still barely makes the card worth it, even as an emergency card. — That could be due to my shaky credit history, however.

About the only really good thing I can say is that the representative was polite and somewhat efficient in taking care of what I needed and getting me off the phone. But is it any wonder people hate them so much?

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5 Responses

  1. Fredo says:

    Back in the day, I had a Citibank credit card, and credit increases from them were effortless. So effortless, in fact, that my increases were never issued at my request — they just gave ’em to me!

    My current credit card, for all its supposedly wonderful online services, requires me to call a long-distance number — which will route me to a call center in India — to speak to someone who will also try to upsell me on a “credit insurance” package I don’t really need. (They do it every time.) πŸ™„

  2. brian says:

    @Fredo: Who are you currently with? My credit history restricts me from branching out too much, but I was shocked and reminded why I never call, if I can avoid it.

    I still dream of having a card with a nice rate and some kind of benefits on it. Maybe next year. πŸ™‚

  3. Lolypup says:

    If your in the mood to really be annoyed I challenge you the next time you need to make a call to any of your services/phones/creditors etc to go to http://www.relaycall.com or any relay service and give that a try. Then get a taste of REAL FRUSTRATION as we deafies have to go through each and every single time. Then come back and complain about being on hold for a lousy 23 minutes, thats nothing my average calls run anywhere from 2-3 hours, thats after several hang ups, several I cant help you let me transfer you over and over and over again.

    So take the challenge!

  4. brian says:

    @Lolypup: Well the bank I worked for had specific relay & TTY lines, and my relay calls were always fast tho it was much easier using TTY.

  5. Lolypup says:

    The problem is that TTY’s have been obsolete for the last ten years, no one uses them. Its not even an issue of the communication device or the communication service, the issue is customer service and those damn press 1 for crappy service answering services,

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