Dear So and So

[Duck on Wheels]

Dear Bank of America,

When I electronically transfer money from my account to go towards my B of A Visa, I notice it immediately disappears from my checking account but takes 2 effing days to appear on my Visa. WTF do you think you are doing with MY money for 2 days? I need that money, in that account to pay for building materials for my house. Seeing as you think I'm a deadbeat and won't give me a decent credit limit because I "have not credit history in the US" even though I can show you how much I make per week and have a bloodly professional degree and am married to a man with a PHD, the least you could do is credit my account promptly!!

Not only that, when I add money to my account to provide increased credit above and beyond my credit limit, you still won't let me make a purchase above my credit limit at any one time. EVEN THOUGH THE MONEY IS ALREADY THERE!!

Arrrrrrrrrgggggggggghhhhhhhhhh!!

This is why my parents dropped BofA way back when they were farming. They'd send in two checks on the same day in the same envelope -- one a deposit and one a bill payment. BofA would charge the bill payment the same day, but spend 2-3 days creditting the deposit -- and charge them for the overdraft that caused.