The Bank of America Company is an international financial institution and banking services firm based in Charlotte, North Carolina, with main hubs in London, New York, Tokyo, Hong Kong, Los Angeles, and Toronto. Its consumer services division has more than a dozen branches in the United States.
Most Bank of America credit card customers are advised to shop around for the best rate by visiting their respective websites. However, if you have already used their card, the bank will be unable to extend it to you. In case your account is not yet credited, you will need to wait until you are given a debit card.
A number of Bank of America credit card accounts can be combined together and this can result in higher limits on the transactions that can be made. If the balance of one card is less than that of another, the person using that card must pay the balance on the first card before being granted another card. The credit limit can be increased by using other credit cards issued by the same bank. In case of an emergency, you may be able to use your card to make a cash advance or take out a loan without the intervention of a financial institution.
Bank of America credit cards may only be used at participating retail locations. You should check with your local banks for details about their cards and fees.
Another thing to note is that you must not accept any type of pre-approved credit card offers that may be sent to you from any other source. These may come from a merchant or from some other third party entity. If these offers are legitimate, they will be sent to you through your regular mail.
Bank of America credit cards are issued after your application has been submitted and approved. In case of any questions, the customer service department of this bank would be able to provide you with answers that will help you manage your credit card properly.
Before you choose your bank of America credit card, make sure you compare its rates, terms and conditions with those of the other card issuers available. It is better to be well informed about the benefits of using different cards.
Many people do not use their credit cards frequently. The amount of credit cards that a person has is decided by their spending habits.
A good card to be considered is the cash back one. This will give you more incentive to use the card regularly. This card allows you to earn interest and rewards while paying for using the credit card.