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Two years ago I owed over $19k on my BoA credit card with payments of $500/mo and over 19% interest, and a smaller amount to Discover. At that rate of interest, I would never get the credit card paid off. I wrote both companies to ask to have my interest rate lowered, as I had a good credit record with them both, never missing payments and even paying early. Discover readily gave me a lower, more manageable interest rate. BoA told me they didn’t think they would do it. No reason given. I applied for a Discover Personal Loan with an interest rate of 14%. I will have the loan paid off in 4 more years AND the payments are $100 less than to the credit card. Will I ever do business with BoA again? NO!
Two years ago I owed over $19k on my BoA credit card with payments of $500/mo and over 19% interest, and a smaller amount to Discover. At that rate of interest, I would never get the credit card paid off. I wrote both companies to ask to have my interest rate lowered, as I had a good credit record with them both, never missing payments and even paying early. Discover readily gave me a lower, more manageable interest rate. BoA told me they didn’t think they would do it. No reason given. I applied for a Discover Personal Loan with an interest rate of 14%. I will have the loan paid off in 4 more years AND the payments are $100 less than to the credit card. Will I ever do business with BoA again? NO!