My Bank of America Credit card "Visa" was my second credit card that I apply for.  Even though i don't have any checking account at Bank Of America I love the rate that they give me for my credit card.  When other Institutions was giving me a interest rate of at least 20.99% and for a lower credit limit; BOA not only offer me a lower interest rate bu also gave a higer credit limit. I was really surprised to see the offer in my mail box.  Also, Bank of America only chargers twenty nine dollars for late fee while other Banks charges thirty nine dollars.  Even though this credit card doesn't give...