- Centurion Member
- Posts: 106
- Joined: Wed Apr 03, 2013 3:16 am
- Location: nyc/ny
The BoA credit card I have has a late fee and penalty ARP. in the 6+ years that I have had it, i paid late 2 times because I forgot about it. I submitted my payment electronically about a week after due date each time. They never raised my APR or made me pay the penalty, they didn't even report the late payment to the credit bureaus. not idea why, but i'm not complaining.
i also have a checking account with them and over the years i picked up four $35 fees for over drafts. i called to ask if they could be removed 3 of those times and they removed it every single time.
i really can't say a bad thing about BoA, but don't push your luck. Don't be me and stay on top of it.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL
Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.