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Thank you.
@Anonymous wrote:Try to call BofA's Sr. Credit Analyst at (866) 618-4585 and ask if your AF can be waived. If the first person you talk to won't do it, then hang up and call again for another rep. I was able to have the AF on my father's Platinum card waived thru that contact number two months ago.
Thanks.
Called this number. Two times.
First time, I got somebody telling me the usual bull**bleep** excuse -- it was on your agreement so I can't do anything.
Second time, I got a much nicer person that did send a request to the "Executive Office" to have this fee removed, telling me that they should follow up within one week. Definitly far from my expectations, but still much better than anything I got until now.
Wait and see.
Yup I was very polite all 3 times. From what everyone is saying there is a higher chance of them waiving it versus completely removing the AF which makes me think it's probably time to cancel the card. The next AF will post in August so I'll call one more time in July to see if they can do a PC to a card with no AF, otherwise i'll cancel it.
I opened my secured card a year ago (May 2018) as a Cash Rewards 321. They immediately charged the annual fee. The card graduated in October with a CLI. Didn't worry about the annual fee at the time as it was already paid. Feb of this year I called ahead of the anniversary date to ask about removing the annual fee. I was told it was already removed. Reviewing my transaction I see no sign they slipped it in. I do have some investments with them (not a lot) and have a checking and savings.
If it had an annual fee, I still might have kept it as I get that back in gas and Costco easily. The Amerideals alone has paid me back over $200 ( discounts at Starbucks, several restaurants, Rie Aid) already. It is definitely not the worst annual fee card at $.75/wk I do understand the principal of the issue as well, especially if it is a nonrewards card as the OP has.
@Anonymous wrote:Thank you.
@Anonymous wrote:Try to call BofA's Sr. Credit Analyst at (866) 618-4585 and ask if your AF can be waived. If the first person you talk to won't do it, then hang up and call again for another rep. I was able to have the AF on my father's Platinum card waived thru that contact number two months ago.
Thanks.
Called this number. Two times.
First time, I got somebody telling me the usual bull**bleep** excuse -- it was on your agreement so I can't do anything.
Second time, I got a much nicer person that did send a request to the "Executive Office" to have this fee removed, telling me that they should follow up within one week. Definitly far from my expectations, but still much better than anything I got until now.
Wait and see.
YAY!
Took more than a week in the end.
I just got in the mail a letter in response to the inquiry, not telling much apart from advising me to call them. I called.
They did waive the AF on my account, permanently.
Thanks a lot for the tip.
It took quite an effort, but I'm now happy AND satisfied that it makes sense to keep this card open without the AF.
That's great news! Congratulations, @univvv!
awesome news. i'm going to call and get them to transfer the CL on my card to my new Travel Rewards card and then close it...no point in keep both.
just an update on this folks. i called in to cancel my card and when asked for the reason I told it was because the last 3 reps would not let me PC it to a non AF card (in my case it was the BOA Travel Rewards). surprise surprise...they said that it was possible to PC and that they dont know what happened on the last 3 calls. i highly doubt their policy on this issue miraculously changed in the last 3 months. so if anyone else is trying to do a PC, should try canceling as last result.
before canceling, i had them transfer the available credit limit on the card being closed to another BOA card.