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Bank of America Visa (AKA FIA Services) sent a very deceptive offer to transfer credit card balances to BA for a 0% interest rate using checks they mailed me.Turns out that the "transfer" is actually a Cash Advance with a 4% up-front fee they add to your balance immediately.

The reality was buried in microscopic fine-print buried in legalese nonsense you need a law degree to understand. When I called FIA to find out what they had done, the sales representative laughed at me and was a thoroughly rude *** who treated me like a chump.

I actually had the money to pay off American Express but fell for the deceitful offer because it seemed like a good deal.Avoid them!

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