Yeah queefoo your right. Their credit dept especially credit card dept sucks. This dept is what gave me my big shafting. And to proof any wrongdoing better be done within 5 years because after that they purge their books or data bases. BBT is constantly moving or firing their managers of their branches, doing the same to their tellers. And I had a teller that had left the bank and went to 5th third tell me that the reason she left is because she didn't like the way BBT was treating their customers. And being that I'm a long time customer or borrower in your words I tried to refinance my home loan and to get a good rate I had to pay extra money to get the rate. I told them to stick it, I'd keep what I had. What also made me mad was the fact that they gave that sorry CEO a 10 million dollar bonus and 1 mill a year salary. It is simply amazing how they have skirted under the radar during all this crisis trouble. On their credit loans especially home loans they are thru Freddie Mac. I know mine is. So I do not reconmend anyone getting tied up with this bank. As soon as I can I'm leaving this bank.