topic Re: BOA 3,2,1 remove annual fee? in Credit Cards

BOA 3,2,1 remove annual fee?

Anonymous — Tue, 06 Dec 2016 22:19:26 GMT

Hello everyone. So my BOA 3,2,1, recently graduated and I got a CLI. When I opened my account they told me that when it graduated after a year that the annual feel would also be removed. Well it graduated early, it would be a year this coming Feb 2017. I recently got a letter saying that it graduated and that I got a CLI and my deposit would be returned to me in the form of a check but that everything else would stay the same, apr, annual fee, ect. But like I said, when I opened it they told me that when it graduated that I would no longer have the annual fee. So now who do I talk to about this? Do I call the number on the letter? Or do I call one of the back door numbers listed here http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066 but which one?

Thanks,

Re: BOA 3,2,1 remove annual fee?

newhis — Tue, 06 Dec 2016 22:52:31 GMT

You may need to call them several times until you find someone that will remove the AF.

Try credit analyst and Sr credit analyst. Good luck.

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 07 Dec 2016 06:08:50 GMT

I did it with chat. After my AF hit. Mine graduated early too but still got AF after 1 year. Asked on chat ,couple minutes of waiting and they said ok. Got the AF refunded too.

Re: BOA 3,2,1 remove annual fee?

newhis — Wed, 07 Dec 2016 06:37:02 GMT

@Anonymous wrote:
I did it with chat. After my AF hit. Mine graduated early too but still got AF after 1 year. Asked on chat ,couple minutes of waiting and they said ok. Got the AF refunded too.

Good info. Thanks.

Re: BOA 3,2,1 remove annual fee?

bk510 — Wed, 07 Dec 2016 12:13:15 GMT

@Anonymous wrote:
I did it with chat. After my AF hit. Mine graduated early too but still got AF after 1 year. Asked on chat ,couple minutes of waiting and they said ok. Got the AF refunded too.

I always get an answer with "fee is tied with the account" excuse.....I will be closing it next July if i can not get it to remove it.

On a side note, just got a 1K auto CLI.....

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 07 Dec 2016 14:33:02 GMT

yeah i have this same problem, mine just graduated and Feb or march will be my annual fee period and they said it is not removed automatically. I called and the lady said I can apply for a new non annual fee card but i cant remove this one because it is "Tied to the account" , i was like are you really sure and she said yes absolutely

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 07 Dec 2016 18:06:12 GMT

Thanks everyone! Just got on the puter and logged in to my account and couldn't find chat anywhere. Weird. I will try calling and if no luck then I will just go down on Sat to talk to someone in person.

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 07 Dec 2016 19:39:11 GMT

I have to add that I went to the branch and 2 of the credit specialists said that it is impossible to get rid of the AF. Only with new apps because a secured card always stays secured in the system even after getting the deposit back.
My card is at $4400 CL with no AF any more.

Chat is hidden and not avalible at all times. Sometimes it is not shown at all.

Re: BOA 3,2,1 remove annual fee?

Anonymous — Thu, 08 Dec 2016 13:44:46 GMT

This may not be relevant (upgraded from secured in 2011/2012 and had the AF removed) but I think if you are persistent and maybe mention that the annual fee has been making you contemplate about closing the account, they may act differently? Would removing the AF at that point be sort of like a retention offer?

Sorry, it wasn't this difficult to remove the AF when I upgraded (first call and they said they reversed it but then had to call again when it was charged and dispute the AF referring to the previous call).

Good luck!!

Re: BOA 3,2,1 remove annual fee?

ATLButtrFly — Mon, 12 Dec 2016 04:55:38 GMT

If you cannot get an analyst to remove it, go on FB and message them. Let them how disappointed you are being told one thing, putting your deposit down and now the card has graduated the annual fee is still there. The reps that are on FB actually have more pull than an analyst. They work for the executive office and have executive approval to make decisions! Good luck!

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 14 Dec 2016 15:21:03 GMT

Thanks everyone!!!

I tried on Facebook. And that worked. Kind of...

I got refunded last years annual fee. So that is great!!! But then when I go in to my account the annual fee still comes up. If they had removed it, it would say 0.00 next to annual fee right, but nope, it still shows what I will be charged

Re: BOA 3,2,1 remove annual fee?

newhis — Wed, 14 Dec 2016 16:07:01 GMT

When they removed my AF, that page still show an AF, it took several day for the page to update.

If they told you they will refund the AF and remove it permanently, they will. I'm sure the page will update at some point, just be patient.

Re: BOA 3,2,1 remove annual fee?

Anonymous — Wed, 14 Dec 2016 16:54:53 GMT

Awesome! Thanks for the info. Well they didn't tell me they were going to remove it. All they told me was that they would look into removing the annual fee and giving me a refund for last years fee and that they would call me to let me know. But looks like they will since I just got that refund