I applied and was accepted for this card when I was a student at VT and it was by far the best credit card I ever had. I had this card forever and the rates where the best offered and the payments were easy going. If I could, I would continue to have this card, if bad fortune would not have hit. I would recommend this card to any new to credit student just starting out in the world. Bank of America will treat you right. Customer Service Bank of America always has good customer service. They are there for you even when there is no answer. I have had many ups and downs and they have always been there to help me out in my time of need. They always do try to keep a customer and not only that, but keep a customer happy. Available Rates The rates I received on this card was by far the best I have ever received by any credit card, ever. This is surprising considering it was one of the first cards that I got, way before any credit was really established. They evaluate your case yearly, which keeps things fair.