Although Bank of America had cultivated the public image that BankAmericard's troubled startup issues were now safely in the past, Hock realized that the BankAmericard licensee program itself was in terrible disarray because it had developed and grown very rapidly in an ad hoc fashion.
Meskipun Bank of America telah menumbuhkan citra publik bahwa isu-isu startup BankAmericard yang bermasalah sekarang aman di masa lalu, Hock menyadari bahwa program lisensi BankAmericard itu sendiri dalam kekacauan yang mengerikan karena telah berkembang dan berkembang sangat cepat dalam mode ad hoc.