Suze Orman was on Oprah this week, giving emergency financial recommendation to people facing foreclosures, unemployment, or bankruptcy. There is even much less appeal to working with Bank of America as a result of its accounts, for probably the most part, are even less competitive than the accounts from Wells Fargo. Bank of America pays under-common charges on all its products, and its commonplace checking account does not pay anything at all. Only its costliest, premium checking account earns interest. After eight months of responsible use, Discover will begin reviewing your account each month to consider transitioning to an unsecured card.