Had my first BOA Mastercard since 98' (it was MBNA then I guess tho). Got 2nd when Fleet also became BOA
Never had a late payment. never had a balance more than 50% of my max. In May of 09', they lowered limit to my balance
(to the penny! thank you) Paid off 1 and they closed it (again thanks) Now they are lowering the other cards limit as I pay it down. Just want to vocalize that even if you have a good credit score, good debt to income, and perfect payment history,
that they can and will harm your credit score and ability to get revolving credit. I know they didn't do this to be mean; they did it because they have no faith in their customers and there's no bail out check to look out for us.
Stay away from all products this company offers!!!!

I have this card and I don't really think there is anything that special about it. Like a lot cards with rewards it seems like you buy 50 times more then what you get back. It's not a bad card, it is accept everywhere, but I don't feel like I'm getting something more for my money. The rewards are so not worth the time I don't know if I'll ever buy any with my points.

I had a great experience overall with this card. The best are the rewards you get just for shopping. At first they don't seem much but after some time, a lot of small rewards sum up a big one. The worst are the hidden fees, but all cards have these fees, so you can't get rid of them. At least that's what i think.

I've had it, I liked it a lot at first, but after some time i realized the rewards weren't worth it, besides, there are a lot of hidden fees if you don't pay exactly when you have to, obviously this is expectable, but i wouldn't rate more than 3 a card like this one.

I have this one for about 6 months. At first everything was great, until one month they didn't deliver the bill into my mailbox, and I ended up with interests and late penalties. I called customer service, and they partly blamed the post office. They refund the interests ($20), but not the late fee.

I had great experiences with the Mastercard from Bank of America.

There was nothing that could be said other than wonderful things about the employees and the card itself.

It was a basic, no frills card which was fine with me. I was able to transfer other balances to this card and utilize the lower promo rate without any problems.

If you use your credit card as a queue for paying bills or buying gas, this card is great for earning points for trips or items.

I chose this card because of the promotional rate. After that rate expired, the new rate isn't as bad as some cards I've had in the past.

Though, the variable rate for purchases can be a pain. If you're looking for a card to hold debt over time, this may not be the right card.

Also, if you're like me, the ability to earn points on purchases really isn't worth it if you don't purchase a lot of items regularly.

I obtained this card in order to pay off another balance. It was beneficial for that transaction. However, Bank of America began tacking on higher interest rates when I started paying off the entire balance each month. That combined with the messed up reward system led to me dropping this account. I wasn't impressed.

Nothing too special about this credit card that you can't get from other credit cards. While I do enjoy the fact that there are no annual fees and free from ARP for 12 months, they are things most other credit cards also offer.

this master card world card is very useful in terms of balance transfer facility....for paying off your outstanding amount on other credit cards use this card from bank of america. great card.