I am a new customer to the Bank of America Platinum Plus Visa credit card. I recieved a 0% percent interest rate for the first year. I made a payment last month when no payment was due. I had a payment due yesterday and they charged me a $39 late fee. I called them on the phone to dispute this because they have a so-called grace period. The first person I spoke to wouldn't let me talk so I asked to speak to a manager. The manager got on the phone and informed me that the grace period is 20 days before the due date (I am a college graduate but I still looked up "grace period" in Webster's Dictionary and it states: extra time allowed, as for payment of a note, insurance premium, etc. After it is due). I tried to explain this to the manager and he wouldn't let me talk, and treated me like I was stupid. He then treatened me by saying he increased my interest rate to the highest amount possible, and then he hung up the phone on me.
Is there any justice to an obligated customer who is treatened, hung up on, treated like dirt, and highly patronized when he was only late for a payment by one day. It is obvious from this situation that Bank of America does not care about their customers, and that they are in the business of taking as much money as they can from hard working americans by abusing the system.
And, since when are banks so in control of people of america that they all of the sudden have the power to change the definition of "grace period".
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