Originally Posted by RAM

At first I was and of course hoping it was just a mistake. However, because I didn't call the B of A CC department and say PUT the cash in my "checking account"...it is now a Cash Advance. The part that really sucks...is you would think what is the difference if I called or just went into a B of A branch and did it. The answer if you call it takes 3 to 4 biz days for the cash to show up. When you go into the branch you get RIGHT there and THEN....so now it's CASH Advance at the you MUST BE HIGH Rate of 24.99 %.


So were it looked like I would save a few bucks in now going to cost me a few hundred. No way I'm leaving the balance and just going to pay it. So I have the 160 fee plus a month of interest 72.00.

Bottom line for me is if it ain't broke DON'T Fix it.

Also just so you all know...I really thought it was a good deal and would just free up some cash. I'm not upside down in either of my places or do I have any refi BS.