When I called B of A the system said for existing accounts it would take 5 to 15 minutes to get through because of the weather. When I pushed the line for new credit cards I got through immedialty. I mentioned how interesting it was to have to wait with an account but to apply the phone was picked up immedialy even though the weather was causing problems! And to top it off I was asked for english to press line #1. I told B of A that an american citizen should never be requested to push any line for english. That should only be asked of people who do not speak english!