ginwilly
Well-Known Member
Not sad at all, was just wondering if that's what happened to you. A buddy of mine had cc with BoA and he was 2 days late with a payment after 5 years perfect. His rate went up to 22% and they charged him several fees.did they need to? nope.
all they had to do to me was start charging me an annual fee, which gave me every right to shut down the account, at which point they magically stopped receiving my monthly payments in order to charge massive late fees. i had never missed a payment before over the course of years.
so i decided to just stop paying them. eventually they made settlement offers, which i waited out until they were ridiculously low.
sorry if that makes you sad.
It was in the gajillion pages of crap they send out with your new shiney card and he didn't have a legal leg to stand on. That doesn't mean I support it.
No, not a fan of BoA practices, or many of the other investment banks that took our monies.
I still maintain that if everyone did what you did BoA would no longer exist and what you did didn't hurt BoA as much as it was just passed onto it's honest customers. I feel like if I borrow money, I should pay it back. That's just me though, you can do whatever.