I called a few backdoor #'s at BofA. One worked, I think it's a pretty general #. It was listed as a cli on the backdoor thread. (800-421-2110. It may not seem like much but it helps me alot. 18.5k raised to 22,200. With a 3.99 BT available, albeit with a 3% fee, I'll benefit from getting rid of my highest interest at16.49.