I have paid more than the minimum monthly payment and on time. My interest rate went from 7.99 to 13.99 to 19.99. I have called Bank of America to ask to lower my interest rate since my financial circumstances have changed since I opened the card. Each time I have been refused. Those who pay in a timely manner are penalized for those who have stopped paying on their cards. I vaguely remember that BOA had a television commercial saying they would help those who were having financial difficulties because of the economy. I must have been dreaming. read full review »