rockyrock wrote:That doesn't sound right. Does this 1,2,3 card normally have an AF?
No, but they're banking on people who had to get a secured card to not know that. I'd see if you can get it waived. If you can't, wait a few months, and get some other cards. Then cancel the boa one, before the next AF. (It's probably worth paying the first renewal, if you've had the card for 10 months, but that's up to you. An open account with a year on it is a good thing. Don't close the card before you replace it, though.)