I'm 70 years old and worked in corporate america for 35 years. I have NEVER been treated as poorly as I was treated by BMO. I stupidly applied for their credit card online on Friday, April 11th. All I got was a message saying it's pending and I don't need to do anything at my end. So Monday, April 14th, I went online and found the number for the credit card department. They said it was open untill 11 pm Central time. I called at 5:05 and was told via a recorded message the wait time was 1 hour to 1 1/2 hours. So I stayed on hold and watched a baseball game while waiting. TWO HOURS and FIFTEEN minutes later, someone finally answered. Of course, English was definitely not their first language. Then I was told I had the WRONG dept!!! I was shocked. Then, take a wild guess at what she told me regarding the 'credit card dept' -- yup! It was closed!!! Please, please, do not do ANY business with this bank. It is the most unprofessional company I have ever dealt with. In all my 35 years of working, I never said "not my job" like the woman on the phone said (in different words). Now I know why there's no one in line at the branch -- everyone else figured out what I just learned and so no one is banking with them anymore. I have been a customer of Bank of the West for over 30 years and stuck with them through the change to BMO. That was stupid on my part too. Live and learn. Please, please do not do any kind of business with the company. No one could access my application after I was on hold for over 2 hours? No, that doesn't make sense at all. Luckily, I have only a checking account with them with just a few hundred dollars in it. I will be withdrawing it tomorrow and not dealing with them any longer! Sorry this was so long. I hope you read all of it. Thank you! read more