I came to US in 2016 and got BOA secured credit card (Cash rewards) with 300 limit, over the year build good history and got my card converted into unsecured after 12 months . BOA did return me 300 back and all was good. Surprisingly I got an annual fee on my card and and I was unhappy considering this card (BOA Cash rewards) does not have any annual fee. I called customer service and asked why do I need to pay as my card was converted to unsecured , they said they need to check if they can waive off annual fees (No hard pull was made) and within few seconds they just waived off annual fees going forward. I was really happy considering this was my first credit card which I did not want to close just for these fees.
Sometimes simple asking does not hurt and can be super helpful as well :)
May 02, 2017 at 07:16PM
