An excellent credit card for a bad credit consumer, the Bank of America secured credit card offers competitive interest rate on purchases and balance transfers as well as several other benefits, that make it quite competitive with other secured credit cards. I like its free Total Security Protection package which provides greater defense against theft, loss, or unauthorized use of your Bank of America secured Visa. Among main security features are zero liability if the card is lost and stolen with prompt reimbursement of your account, fraud monitoring to detect …