I applied for a Bank of America card just to have an extra one in case I needed it. I was not totally pleased with it, despite some of the cash back extras. My credit was good enough to be accepted, but I did not feel the customer service was all that great. Furthermore, you have to apply at a branch which is very inconvenient. The online presence of the company is also lacking, and I found using the site difficult and there were not nearly enough options to take care of my bill properly.
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