LustfortheMoment said:if you go into a BofA and ask for their world points CC pamphlet it clearly states 12 month 0% no fee BT's

I think that you're incorrect, Fred. Here's a quote from the Terms cited on the BofA site for the World Points card:

"Balance Transfers and Cash Advance Checks are subject to transaction fees in the amount of 3% of the transaction (minimum $10).". They provide NO maximum.

I think that the BofA DOES have have $0 BT fees for cards with 6 MONTH durations. However, it appears that the largest bank in the world is increasingly moving towards uncapped 3% BT fees. Will competitors follow or hold the line????

What will become of our "beloved" AORs????? Or as Marlon Brando once uttered, "Oh, The Horror, The Horror"

"Website" does not equal "phamplet in bank". I believe they are changing many things from the merger. It is important to keep all docoumentation from what you sign up for because they have more then a few deals saying 9, 12, 6 "promotional" etc etc.

---I recently signed up for 2 worldpoints cards.
#1=in bank Visa
#2=online AMEX
--- The paperwork looks exactly the same, but one states %3 BT fee (AMEX) and the visa... no fee!

Edit: Oh -and the CSR was really helpful. I mentioned a fee on the AMEX and She said "lets just move the CL from the AMEX to the Visa so you can get a bigger balance transfer!"
Me "Uhhh ok."
her "I can just put that right into your checking account!"
me "uhhh ok."

LustfortheMoment said:Pamphlets are often outdated. I'd go with the Terms and Conditions on the current BofA website. I think that BofA will also facilitate a "live chat" with a credit card specialist to answer any discrepancies.website info or live chat info is not binding, and more often than not, not correct.

A pamphlet you receive with the card constitutes the T&Cs applicable to your account, and any change must be in a subsequent writing, not a webpage or chat.

Odd thing happened, and this looks like a fairy relevant pre-existing thread to add my issue onto.

I paid off a student loan (8% interest, low payoff) with a 6 month $50 fee 0% BT from BOA. The balance on the student loan was $2500ish. While doing the BT, the CSR offered to deposit $2000 into my checking account so I said go ahead (wasn't sure what I would do with it, but took it anyways since its free money) Well, today I got a BOA statement in the mail. The statement says my balance is $2000 (instead of $4500), and there was also no fee applied (no $50) Then, I went to check my student loan and found that it still hasn't been paid off.

There were no other enclosures or anything re: this attempted BT, just the statement saying that there is a $2K balance, first pmt of $20 due in a couple weeks.

What should I do? If it is an oversight, I would be better off using the 2K in the bank to just payoff the student loan and add the remaining from my own funds than to call and insist on the BT to student loan (along with the fee). Proceed to payoff $2K, forget about the BT and fee. Am I missing something here?

Has anything weird like this happened to anyone else before during BTs?

I have a case of the OPPOSITE happening to me.

Applied for a BofA Mercedes-Benz Visa (to actually use for the rewards for parts & service). BT terms were 1.9% for 6 months and NO MAX FEE stated, but I didn't intend to use this for BT purposes so it didn't matter. After receiving the card, I called to transfer CL and was told the card had a 6-month 0% NO FEE BT (& purchases). So I gladly pulled out a hefty BT. Thank you BofA!

This was from a standard mail-in application that I picked up at my local Mercedes dealership.

Another weird thing is that I applied for the standard Visa, but they sent me the Signature Visa - another reason why I pulled out the big BT, to pump up the max balance reported. When I called to convert to the standard one, they offered to just waive the $90 annual fee this year. Plan on converting it to the standard one next year.

My CL is $5K

FWIW, the BofA (former MBNA) cards are the only ones moving to uncapped fees.

Correct. I recently picked up a Fidelity Investments card which is offered by FIA but issued by the BofA. BT fees are 3% uncapped.