I took out a loan with Bank of America in April 2008, to consolidate some debt. These loans are called GoldOption line of credit, and they charged me 15.99% interest rate. I did not want to accept this high rate, but felt at the time I had no choice. I have payed on this account for almost 1 year, and have asked them 2 different times if they would reduce the interest rate on this loan. I have payed them more than the payment and early each month. I have a credit rating of over 700, which means I have paid all my bills on time... read full review »