You probably are. I’ve had several accounts over the years. Discover is the best. BoA and MBNA were the worst.
I know this may sound silly, but I LOVE Capital One.
They’ve given me a great interest rate for YEARS and their fees are low.
I second the BOFA. I think also, while people theorhetically should be, they in reality are largely uneducated as to the consequences of using credit and practices utilized by these thugs. I take responsibility, but they’re no saints.