Glad to read your post. I am presently looking to transfer my $2200.00 to a card with either a 12 month or 15 month 0% interest rate. I was seriously looking into BOA but their transfer fees are outrageous. And, yes, you are right, the customer service stinks.

Does anyone know of any good credit card companies besides Chase and Discover that offer 0% for balance transfers for 12 - 15 months and no transfer fees. My credit score is 761 which isn't bad and I should be able to apply for one without much difficulty.