Comment by siliconc0w

The big banks are terrible if you fall outside their algorithmic expectation. My partner and I were trying to get a mortgage and despite near perfect credit, large incomes, etc our apps were auto-denied because I never opened multiple open loan lines. Never needed them, just used CCs I immediately paid off for points as I always had a job/savings and bought cheap used cars for cash. We eventually got one but it took far too much time, effort, and spraying our personal info to providers. Once you get an algorithmic denial or even cant access your money because their garbage site isn't working and you can't even get someone on the phone who can tell you why much less fix anything, you immediately see the need for breaking these banks up.