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Old 03-20-2013, 05:35 PM
Location: Wisconsin
20,855 posts, read 41,617,237 times
Reputation: 14075


Originally Posted by Anonymous1133 View Post
In September of 2010 I got my first credit card with Bank of America. I have used it religiously since, more than any other credit card, because I was NEVER charged interest or fees of any kind...until January 2013. I am convinced their employee told me that my payment was due on the wrong date now so that the interest could kick in. Due to this one late fee, mega interest began to kick in each month for the past three months. Now, because of that one late payment which is actually there employee's fault, I will now have interest every month as long as I do not pay in full.
Based on this, your interest-free card w/BOA for almost three years was a teaser.

0% APR Credit Card Offers | 0% Credit Cards

Apply for a different card and pay off BOA.
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Old 03-22-2013, 07:04 PM
Location: Detroit, MI
340 posts, read 765,523 times
Reputation: 343
I tell you what, Discover has treated me right even since I signed up with them. I've never had any issues, their customer service is always top notch, and their service recovery is fantastic.

As for fees? I have the Discover More card, which has a high APR and fees for late payments, but I'm one who has never missed a payment for anything.

They offer 1% back on everything (after $3000 in spending [I beleive]), 5% revolving back, financial planning and tracking tools, email updates when you are approaching the payment period deadline (I get one at the beginning, then one every day coming up to the day it is due - you can update the settings), availablility for student loans at a modest interest rate - variable or fixes, and they also have online banking... which I don't use.

After getting my credit up with my "Starter" Capital One card which had a $35/mo charge if I didn't spend X amount, having random fees associated every month, I'll never go back.
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