Now a days is so easy to be in a lot of debt due to our economic situation. When the banks know that you are hurting for money, they really want to fish you in by giving you a credit card with a few months zero interest free. However you should be cautions of this practice because after your grace period is over, they really increase the interest rate sky rocket. Bank of America is one of this banks that don't really care about the customers. They don't care if they ruin your credit history/score. I have been a customer with Bank of America for about twenty years. I never have been late with payments...