What to do with my BofA 1-2-3 card?

[myjourney]

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@icyhot wrote:
I already decided that I'll just SD the card for the CL and no AF and let it close when it wants and move my banking elsewhere

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Ok that's always an option but in making this decision didn't you also get a great CLI today on a BofA card? So would you agree that just perhaps you're making a snap decision out of a situation/frustration caused by your sister and worth sleeping on it?

[icyhot]

Yes. I agree with KDM and SDing it and seeing how o feel later. However the ease and convenience of being a banking customer is gone

[Anonymous]

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[Open123]

Well, if you really want to "get even" with them, I'd do the following:

1.  Request paper statements.

2.  Product Change to Balance Rewards (if possible), and make a $0.50 charge monthly for the $25 quarterly bonus.

3.  Call them once per day and ask random questions.

Either way, BofA won't really care, but this may make you feel a little better and put more money in your pocket!

[Callandra]

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@Open123 wrote:

Well, if you really want to "get even" with them, I'd do the following:

1.  Request paper statements.

2.  Product Change to Balance Rewards (if possible), and make a $0.50 charge monthly for the $25 quarterly bonus.

3.  Call them once per day and ask random questions.

Either way, BofA won't really care, but this may make you feel a little better and put more money in your pocket!

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Well, as long as we're going to handle this as mature adults! 

I second getting a BBR -- it's free money but you might want to charge at least $5-10 since I've heard of people getting zero'd out by BoA for charges under $5 at times (you need a balance/statement to post/cut). Take the money and run! 

[Anonymous]

deleted

[icyhot]

I hear you can't PC to the BBR but they've always let me consolidate or open a new card by moving limits

[Anonymous]

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@Open123 wrote:

Well, if you really want to "get even" with them, I'd do the following:

1.  Request paper statements.

2.  Product Change to Balance Rewards (if possible), and make a $0.50 charge monthly for the $25 quarterly bonus.

3.  Call them once per day and ask random questions.

Either way, BofA won't really care, but this may make you feel a little better and put more money in your pocket!

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This is the most hilarious post I have read all day. It would be fun to try this, too )

[Anonymous]

There's a lot of valuable information in this thread. I feel for you OP. Sometimes it's difficult to break financial ties with family members. My DH and I had a similar problem.  You have some difficult decisions to make. Best of luck to you.

[kdm31091]

Honestly, I've had nothing but issues anytime I have used Bank of America (major issues with a CD with them before), so I don't blame OP with being upset with them (even though this particular case really wasn't their fault). IMO, unless one has a lot of assets with them and can get the Preferred Rewards, none of BOA's cards are worth getting excited about, so no sleep lost if you didn't have it anymore.

I will say though in the past I have closed a card on impulse and later regretted it, so I think OP throwing it in the drawer for now is the best bet. It's not harming them to just keep it open awhile. I had the 123 card a couple years ago, didn't keep it too long as the rewards aren't exciting for my spend but that's a personal thing.