Due to the two credit cards that my wife and I have reaching their maximum, we thought it would be a good idea to try and qualify for a new credit card with a low APR to transfer our balances to. We received a pre-approved credit card application in the mail from Bank of America with a 0% up to a 2.99% APR. We thought this was great until we read all the fine print. I called them to apply over the phone. This was a tedious and frustrating process. I had a very difficult time simply trying to understand the very thick accent of the customer service representative. Turns out he was in the Philippines....