BofA also seems to possibly look kindly upon a longer-term relationship with the bank. Perhaps you shouldn't have "left" BofA and had to "come back" to it? Perhaps you should open a no-AF card at BofA, even if it seems like something you have no interest in, just so you can keep a BofA account open "forever"? (Then use it once or twice a year for something cheap, just to keep them from cancelling for inactivity.)

I'm not saying it's a panacea, but it may help in some "borderline" situations perhaps.