Every day that goes by more Americans lose their jobs and more business owners run out of cash flow to sustain themselves through this situation. The government has stated that small businesses can apply for the Payment Protection Loans from their Banks but the banks are creating barriers to prevent their customers from applying. To apply for a Payment Protection Loan with BOA that is already funded by the government a company is being required to have a previous loan or a business credit card with BOA. A good standing bank account and deposits are not enough for the Bank you need a credit card. This is ridiculous to require a business to have the bank's credit card. Not even other loans that BOA offers require a business to have a credit card with them.