Every other bank I can do most of my interactions with via SM. BofA is like pulling teeth. I've got a credit balance? Can you cut me a check please? Happy to do so sir, just reply with your address. Umm... you've got my address on file, why do I have to interact with you again, just send me the money! Cancel the BofA Virgin Atlantic card BEFORE it converts to a MasterCard. On purpose. Even move as much of the credit line over as possible. Yet, when I log in I see I now have a MasterCard. SM them to find out what the deal is, they explain how credit cards work. I ask them to please answer my original questions--the previous card was cancelled, what's this thing? They explain how credit cards work. Still trying to get them to shut the card down. In this particular case the card is for my wife, and I'm trying to avoid her having to make a phone call. She tolerates this hobby but I try and keep her interactions as minimal as I can. Anyway, is it just me? Every interaction I have with Citi, Amex, Chase seems to go so much more smoothly than every interaction I have with BofA.