Balance Transfer Safety Check
Before you move your debt — check the card issuer you’re transferring to
A 0% balance transfer offer buys you breathing room. Transferring to an institution with a serious complaint record just moves your problem to a worse place. This check takes four seconds and tells you whether the issuer earns what they’re asking.
STOP
VERDICT · BANK OF AMERICA, NATIONAL ASSOCIATION
We would not recommend transferring to this card
BANK OF AMERICA, NATIONAL ASSOCIATION has one or more active federal enforcement actions on record. Transferring a balance locks you into a multi-year relationship with a credit product at an institution currently under supervisory scrutiny.
Credit-card rate
0.74/1k
Overall rate (no card-specific split)
Unauth / billing issues
—
Share of complaints that are fraud, billing, or unauthorised-charge
Resolution quality
33/100
How well complaints actually get resolved
Responds on time
97.6%
CFPB 15-day response window
Active federal enforcement
OCC · ACTIVE
FED · ACTIVE
CFPB · ACTIVE
FTC · Clear
Dig deeper · BANK OF AMERICA, NATIONAL ASSOCIATION
Check a different issuer
Sources: CFPB complaint database, OCC, Federal Reserve, FDIC, FTC, FFIEC Call Reports. Rate normalisation is per the methodology below. Informational only — not financial advice. Check APR, fees, and terms with the issuer before transferring. Methodology › · Affiliate disclosure › · Data freshness ›