Thanks for the interesting data points all.
vaylon said:Also with the boosted credit limits it really didn't make a big dent in my utilization.

I think BOA is feeling it's oats because now it knows its to big to fail.
In light of these data points, there might be something to this, at least short-term. Particularly for prime and "ultra-prime" customers.

I just received 10 months at 3% uncapped on my $50K business line. They wouldn't waive the fee.

One of my cards has the 0% 99max fee. (haven't used for more than 2 years with 14k limit)
I called BOA and requested a direct deposit. The lady saw I had another another credit line that she can add... It was a GoldOption Line of credit. she consolidated to my Platinum card and now i got 25.5k credit line.
So i requested 16.5K to pay off 2 of my 0% cards that just ended. One of em is FIA card.. shhh......

edit: this is on BOA Platinum Visa

I tried again to get the fee capped thinking different CS rep might yield different result. No dice. He told me as of June or July 17 (I can't remember which) the whole company got out of the zero interst capped fee biz. They may change it in the future, but for now you either have to accept the higher interest rate (they offerred me 5.99 no fee) or pay the 3% fee on your zero interest offer.

My guess is it likely won't get better, but Now that Goldman and JP Morgan are in the banking business, I suppose it is possible they might get into the Credit Card game. Most likely buying up existing players like Advanta and WAMU. Just a hunch.

ceobeaver said:I tried again to get the fee capped thinking different CS rep might yield different result. No dice. He told me as of June or July 17 (I can't remember which) the whole company got out of the zero interst capped fee biz.

BS, I got a 0% fee card just last month.

runderwo said:ceobeaver said:I tried again to get the fee capped thinking different CS rep might yield different result. No dice. He told me as of June or July 17 (I can't remember which) the whole company got out of the zero interst capped fee biz.

BS, I got a 0% fee card just last month.

So you got 0% and no fee? Which card?

ceobeaver said:So you got 0% and no fee? Which card?

It's a BOA Preferred MC that I applied through an affiliate link found on these boards.

glxpass said:simmias said:My three cards:

1) 12 months 0%, 3% fee, $10 min, $99 max
2) 12.9%, 3% fee, $10 min, $75 max
3) 12 months 0%, 3% fee, $10 min, no max

Thanks, OP. Time to make a phone call and move some CLs around.
Could you please specify which cards, especially card #1, that you're referring to? It might help someone else get the same deal for the same card, if it isn't offered to them already. Thanks!
Card #1 is a BofA Platinum Plus Mastercard. Got it for the free 2GB Nano iPod and $50 statement credit about a year and a half ago - I'm sure quite a few others here did as well. I've never used it outside the initial BT to get the iPod and credit.

Card #2 is a Carolina Panthers Platinum Plus Visa. Got it for a bunch of free Panthers swag. Never used it outside the initial purchase.

Card #3 is the University of Iowa Alumni Association Platinum Plus Mastercard that I'm sure many, many people here got ($250 statement credit). Never used it outside the initial purchase.

The one BofA card that I actually did use quite a bit in the past (and one of my oldest cards) was closed by BofA after I got the U of Iowa card, and they wouldn't reopen it. Go figure.