April is turning out to be a cruel month for Bank of America ( BAC ) CEO Kenneth D. Lewis. Despite reporting a $4.2 billion first-quarter profit on Apr. 20, investors drove the bank's stock down 24%—a drop that contributed mightily to a 289.6-point decline in the Dow. The following day, the state treasurer of Connecticut called on Lewis to resign; on Apr. 23 he and other credit-card chieftains will be jawboned at the White House by President Obama about high interest rates and predatory practices; and on Apr. 29 he must face shareholders at BofA's annual meeting. I talked with Lewis twice this week, first for CNBC on Monday and then again the next day. Consumer credit was obviously a sour note for the quarter, losses of $1.8 billion. How bad are BofA's credit problems ahead?