I consolidated credit cards with Bank of America at 2.9% a year later that rate jumped to 9.9% and today they called and offered to reduce it to 6.6% if I payed them $800. When they called however, the called under the name of Credit Card Services a consumer help agency... I was told that I could reduce my interest rate from 9.9% to 6.9% for no cost, I was all for it. When I receivd the call back from MR. Paul Blake, after I questioned him to ensure that there were no additional fees, eg; application, transfer or other he said no, no fees. I... read full review »