Day In The Life of Baz

Here’s another classic example of how Bank of America needs to get some people with brains to programming their Online Banking website.

As you know, I have a Bank of America credit card. This isn’t by choice, by the way. I started out fine with the MBNA guys. Everything was good, then they got bought by BoA and here I am.

I recently stumbled onto Bankaholic’s website and saw a promotion for the Bank of America checking account for their current credit card customers. Now since I’ve moved, I haven’t gotten a local checking account yet, so I figure why not get $75.00 for free? It’s a free checking account, there’s no monthly maintenance fee when you sing up online, so it’s a win win. Once again, I was dead wrong.

This morning I tried to log into my credit card account. It’s the beginning of the month so I’m trying to organize finances and pay some bills. I was greeted by the screen above. They need me to enter my new ATM/Check card number and my PIN. Well, there’s only one problem, I filled out this form online and I haven’t received anything in the mail yet.

Now I’ve been reading tons of stuff about other people’s experiences with the BoA, but I personally haven’t hadn’t had any problems with them. Up until last week, they’d been my best credit card account. They are my lowest APR that I have on any card, with a relatively high limit, so everything has been great actually. They also have a pretty good Bill Pay program; and therein lies the problem.

The BoA Strikes

Right now my BoA account has a very nice equilibrium going. It’s like a well-balanced ecosystem, where any outside stimuli is gonna cause things to spiral out of control. I have all my outgoing bills set up through the eBill Bill Pay system, including my car payment and internet payment. Because I know the exact amount of every bill, I’ve set up the amount of the incoming payment to the credit card to be the exact amount I need, so the account always goes back to zero (0) by the time the account is due.