...

[prog]

And they're not giving it back to me.

What happened: the bill payment I set up back with MBNA was depositing $100 into my CC account at the end of every month. By BoA reckoning, this is always late, because payment is due a day or two before that, and payments made between that date and the start of the next month don't count towards the next month's minimums. Therefore, I was late every single month since they started keeping track in October, despite me giving them more money than they were asking for every time.

The nice lady I talked to only smiled and shrugged at me about it.

Fuckers. Never use BoA. I wouldn't be if they hadn't bought the company I fuckin signed up with. Is there any other CC company in the USA at this point?

Comments

[prog.livejournal.com]

As soon as I have the means, I'm going to pay off my balance, get a new card with someone else, and then pray that they don't buy that company too.

[dougo.livejournal.com]

Just do a balance transfer to a new card (e.g. Citi or WaMu or Discover) right now. It shouldn't be hard to get a good short-term APR (possibly even 0%). Not only do you leave BofA faster, but you get a better interest rate for the near future. (There's usually a transfer fee, which might be as high as $150. But they'll just tack that onto the principle.)

Or, you could call BofA's credit card dept and tell them you're going to transfer your balance away, at which point they'll forward you to their "retention" department, where they will actually want to help you with your problem (or otherwise make it up to you) in order to keep your business. Up to you whether you want to deal with this hassle, though.

[prog.livejournal.com]

I found BoA an utterly loathsome company even before I had the misfortune of becoming a customer, and have even less desire now to stick with them now that they've personally robbed from me and then denied it. Thank you so much for the advice on transferral; I think I will do just this.

[dougo.livejournal.com]

See also: http://dougo.livejournal.com/25318.html