Donziboy2 Posted August 19, 2012 Share Posted August 19, 2012 (edited) So as some of you know I haven't had work in a while so ive been tight on cash. So i've been keeping my payments low on things like my Bank of America card.... I just lined up a job a few days ago, but before that I was not sure if I should keep my car so I payed it with a BoA check so as not to drain my bank account to much. Well it turns out since I only payed $100 instead of the $112 they wanted on the CC bill they decided to return it unpaid, stamped insufficient funds....... Which is funny since its a $10k limit card and I have around $4k on it.... So here I am just now receiving a letter from them about not letting me use a check they sent me 8 day's after I wrote it... So now im going to have to walk into the bank I got my car loan thru and kiss there ass since its now a week due........ I guess it was to much hassle to actually call me on the 2 phone numbers I provided BoA... So now instead of sucking interest out of me for years like they have been doing for years already, they just lost me. So... next time I get an offer from Citibank or Capitol One (which I just spent an hour dis morning shredding offers from the last 4 months along with other things) on a 0% APR transfer, BoA will be loosing a customer. Edited August 19, 2012 by Donziboy2 Link to comment Share on other sites More sharing options...
MH6~SPARTA~ Posted August 19, 2012 Share Posted August 19, 2012 (edited) So as some of you know I haven't had work in a while so ive been tight on cash. So i've been keeping my payments low on things like my Bank of America card.... I just lined up a job a few days ago, but before that I was not sure if I should keep my car so I payed it with a BoA check so as not to drain my bank account to much. Well it turns out since I only payed $100 instead of the $112 they wanted on the CC bill they decided to return it unpaid, stamped insufficient funds....... Which is funny since its a $10k limit card and I have around $4k on it.... So here I am just now receiving a letter from them about not letting me use a check they sent me 8 day's after I wrote it... So now im going to have to walk into the bank I got my car loan thru and kiss there ass since its now a week due........ I guess it was to much hassle to actually call me on the 2 phone numbers I provided BoA... So now instead of sucking interest out of me for years like they have been doing for years already, they just lost me. So... next time I get an offer from Citibank or Capitol One on a 0% APR transfer, BoA will be loosing a customer. Local credit unions rock, if you have any you can become a member of. But I don't like BoA either. Sorry to hear they screwed someone else. Edited August 19, 2012 by MH6~SPARTA~ Link to comment Share on other sites More sharing options...
Donziboy2 Posted August 19, 2012 Author Share Posted August 19, 2012 There is bad blood between my mother and the local credit union (they tried to pull something on her) so i get advised to steer clear of them. Buts its ok, i have kept my credit score over 750 even with being unemployed for 2 years(savings are a good thing) so BoA can just take there high APR and stick it. About 2 months ago my payment due was on a sunday and I did not notice so I had to pay it on Monday (1 day after) so they where nice enough to charge me $25 and jack my interest so i've been a lil pissed with them already but this is the end of my 5+ year relation with these tards. Link to comment Share on other sites More sharing options...
Durka-Durka~SPARTA~ Posted August 19, 2012 Share Posted August 19, 2012 I had a BoA credit card back in 2004 and used it to buy some initial equipment for my business. I think I had $8k on it by 2005 and it was a huge drain not just on my account, but on my life as well because the stress levels. I played the credit card game for a little while longer trying to get a good deal and transfer my BoA loan to something else. By 2006 I was about $12k in debt. I have since paid off all that bad debt and now only owe on my house and my truck. I no longer use credit cards unless they are the store cards with 6-12mo no interest. Now is not a good time to be in debt. Link to comment Share on other sites More sharing options...
Elvis~SPARTA~ Posted August 19, 2012 Share Posted August 19, 2012 Durka is right. And B of A and other very large banks are drug laundering mega criminals that will shaft you in a heartbeat. Patronize someone else. Link to comment Share on other sites More sharing options...
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