Is Bank of America taking advantage of America?
(ContentDesk) August 23, 2005 -- Recently Bank of America sent me a promotional offer to transfer my higher interest credit cards to their company at a special 0% APR. Of course I jumped at the deal and decided to transfer a balance from another card with a higher interest rate. Who wouldn't?View the actual advertisement I received in the mail here:Front of offer:http://www.2koncepts.com/bofa/0APR-FRONT.tifBack of offer:http://www.2koncepts.com/bofa/0APR-BACK.tifNow, here is exacly what I did and how they took advantage of me and probably everyone else that responded to this same ad.My credit balance was $0 and my credit limit on the Bank of America card was $3,500 and I decided to transfer the whole $3,500 balance from another high interest credit card. Sounds good right? Well, when I received my first bill in the mail from Bank of America my new balance was $3,545.48 a portion of which was for an OVER THE LIMIT FEE, so I immediately called Bank of America and they claimed it was because the transfer was subject to a 4% "Cash Advance Fee," but wasn't I doing a "Balance Transfer?" Now here is the kicker? they also proceeded to tell me that since I am now over the limit, my credit card is no longer eligible for the 0% interest rate and my new interest rate is 7.9%. So, basically I thought that I was going to have a credit card with $3,500 owed and a promotional interest rate of 0%, but now I have a credit card with $3,545.48 balance and an interest rate of 7.9% and Bank of America absolutely would not do anything about it.
All they could say is that I should have read the fine print; which I did. In my opinion, this is a total scam by Bank of America.Please read the offer for yourself and see if I am crazy or even stupid and if you would have done the same thing I did. My main problem with the whole issue is their use of verbiage in one paragraph to the next. In the first paragraph they clearly call it a balance transfer, which is what we did, then in the next short paragraph they changed the word to cash advance fee, which I didn't think applied to me, because I was doing a balance transfer. My understanding and probably everyone else's idea, including a jury's, of a cash advance is when you go to a bank and take cash from a credit card.
Obviously they do this on purpose so people will make the same exact mistake that I did. Also, from talking to one of Bank or America's own customer service reps, I was told that they get these kinds of calls all of the time, so it sounds like there are probably lot's of other upset people having this same problem.Now I ask, do any of you think this is ethical or even legal?Here is exactly what the offer stated in the fine print if you cannot view the scanned items above:The Annual Percentage Rate for Balance Transfers made prior to August 31, 2005 and for balances created using the enclosed promotional convenience checks, is a fixed rate of 0% (0.0% corresponding Daily Periodic Rate) ("Promotional Rate") through 12/10/05 ("Promotional Period"). Thereafter, a fixed rate of 7.9% (0.02165% corresponding Daily Periodic Rate) will apply to these balances until paid in full. If at any time during the Promotional Period we do not receive at least the Minimum Payment Due, you exceed your Credit Limit, or you close your account, your Promotional Rate will terminate and thereafter, any remaining unpaid balances will accrue interest at your standard contract Purchase Rate. Please note that, unless you are a Financial Rewards member, you will not earn Rewards credit, miles, points toward free travel or merchandise, nor will you qualify for charitable donations from the use of these checks as stated in your Cardholder Agreement.The Cash Advance Fee is 4% with a $5 minimum and $50 maximum per transfer or check used.
This fee will post to your account as a cash advance fee and receive a cash advance rate..
The Gamers Corner Offers Video Game Lots in Wholesale for the Playstation 2 and Xbox Video Game Systems, At Discounted Prices, in Time for Holiday Season
(ContentDesk via ContentDesk Direct) November 7, 2005 -- The Gamers Corner (www.thegamerscorner.com) offers video games in wholesale lots for the Playstation 2 and Xbox video game systems, at discounted prices, in time for the holiday season. In celebration of the holiday season the company is also offering free video games for the PS2 and Xbox via their weekly quiz.The Gamers Corner, wholesale video game distributor, offers wholesale video games to the Public and Business Sector alike, in wholesale lots ranging from 10 - 5,000 video games per lot. The Gamers Corner has become well known as the premier wholesale video game distributor of all video games both on the internet and eBay. The Gamers Corner, www.thegamerscorner.com and eBay ID rhonna24, is a distributor and supplier of wholesale video games for every video...
The Gamers Corner Offers Video Game Lots in Wholesale for the Playstation 2 and Xbox Video Game Systems, At Discounted Prices, in Time for Holiday Season
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Fundraising Hit ? Oh These Candles Announces Their Soy Candles as the Perfect Fundraising Idea for Organizations, Schools, and Individuals
LANHAM, MD (ContentDesk) July 19, 2004 -? Scented candles are one of the most popular gift items people buy for themselves and for others on special occasions.
Almost everyone enjoys the glow of candlelight and the smell of the fragrance burning in their home.
Candles are a consumable product and a fundraiser that you can do often as your financial need arises.
Oh These Candles are made with soy wax, which burns for a longer period of time, and is environmentally friendly.
That is why selling soy candles from Oh These Candles, is the perfect fundraising solution.
There are no upfront costs and no need to stock the candles, because the candles are made based on the orders.Selling soy candles from Oh These Candles will allow organizations, schools, and individuals to make money upfront, earning 30-50% in total sales.
The fundraiser can be done traditionally, online, or both with flexible timeframes.Traditional FundraiserA traditional...
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Opening a Bank Account Doesn't Have To Be Difficult
If you're a young person who has just begun to earn some money, it is very important that you know how to open a bank account. Once you do, you'll have taken the first step in a long-term process of financial independence and growth.A bank account is not only essential to cultivating savings, it is also important for day-to-day financial activities. Before you decide what bank or financial institution with which to do business, however, do some research. Talk to your friends and family about where they do their banking. Ask them questions about the service their bank provides, and whether or not they are satisfied with it.Next, determine exactly what type of account you want.
The two most common types of accounts are a checking account, and a savings account. A savings account does just what its name implies ? it allows you to deposit money in the bank that will receive a small amount of interest over a period of time. A checking account is intended more for daily, weekly, and...
Opening a Bank Account Doesn't Have To Be Difficult
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Free Background Search
Various websites offer simple background searches for free. However, these free background searches are restricted by many terms and conditions, and normally do not come up with satisfactorily results, unless a particular background search product of the website is offered 'free' with another product of the website.
The free background checks on the various websites are not confidential. The results send an e-mail instantly to the subject to be checked, and when they give their consent, the results are sent via e-mail.
Therefore, for a confidential background check, paid checks are always suggested.
A free background search is a very important and easy-to-use feature. Sometimes it can tell a good deal about people we think we know thoroughly.
Free background searches are very useful to learn minor details about individuals, which aren't worth the hassles and expense of a proper background search.
A properly done free background...
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Merchant Account Services
Business that are small, home-based, deal with mail order, or operate online can benefit from a merchant account service. The merchant account service allows the customers to pay for goods in an easy and safe manner, while allowing the business owner to accept more modes of payment. There is a "win-win" for both the customer and the business owner.
The business owner can set up these merchant accounts for a low processing fee.
Today, with the advance in the industry and the online business, there are several merchant account providers in the market and each offers similar service with few valued added features.
With more and more consumers today going online to make their purchases or using their credit cards, it would be a wise decision on the part of the business owner to have access to merchant account service. This way he or she would be able to tap into a big customer base.
Having a merchant account service...
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Abazias.com Collaborates with the Price is Right in 2005 - Online Diamond Company to Give Away Sapphire and Diamond Bracelet on Emmy Nominated Show
Abazias.com (OTCBB:ABZS), a leading online supplier of discounted diamonds, will make one lucky contestant shine in 2005 on the longest running game show in broadcast history, The Price is Right. During the 2005 season of The Price is Right, one contestant will have the chance to win a sapphire and diamond bracelet set in 14k white gold, worth a retail value of over $3,000 dollars from Abazias.com. The dazzling bracelet is 1.46 carats total weight, and is sure to send any contestant home sparkling. This promotion marks the first partnership with CBS, a subsidiary of Viacom Inc. NYSE (VIA), and Abazias.com and is one of many giveaways the diamond company will participate in during the next few months.
"We are thrilled to work with such an exceptional game show as The Price is Right," states Oscar Rodriguez, CEO of Abazias.com. "They are known for continually rewarding contestants with only the finest prizes and we are confident that this will support in highlighting Abazias.com...
Abazias.com Collaborates with the Price is Right in 2005 - Online Diamond Company to Give Away Sapphire and Diamond Bracelet on Emmy Nominated Show
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Mobile Phone Ringtones
Mobile phone ringtones are like hot cakes for the youngsters, the market is huge, estimated world wide sales of $ 2.5 Billion per year. The cost of a mobile phone ringtone ranges from ?1.99 to over ?10. Most singers and performers provide rights for their melodies to be converted to ringtones versions. Survey shows that about 26% of mobile phone owners downloaded at least once a ringtone. Many people downloading more than one as you can customise and set the phone to play different ringtones for...
ringtones Checks Mobile Phone Ringtones Is Bank of America taking advantage of America?
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Look Great with the Latest Cosmetics Combining Healing Like Ingredients
Beauty has been a sensitive issue for both men and women since ancient times. There cannot be a better example of this concern than the reports of Cleopatra bathing in a donkey's milk to keep her skin young and glowing. Legends testify that Egyptians and Greeks adopted various beauty treatments that used both natural and chemical ingredients.
The term, "Cosmocueticals" is being used widely today. But what is the story behind cosmocueticals? Researchers have combined the beneficial...
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The Top 4 Things To Look For In A Plasma TV
If you have ever seen a plasma TV screen displaying HDTV programming, you know why so many people are rapidly discarding their old CRT type televisions and getting ready for the digital TV revolution. Plasma TVs produce such sharp, crisp images that they make perfect companions to the new HDTV standards that will be widely used in the coming months and years ahead. So if you happen to be in the market for a plasma TV here are the top 4 things to consider as you shop:
1. Determine...
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