Bank of America Credit Card Complaint

Bank of America Credit card department,

Cash advance California

Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or $40000.00. and I paid $1600.00. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. Now to regain my credit score I have to pay back the bank which it cost me $1600.00 for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # - ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.