BOA credit card 设置比较奇怪,不少人由此要多付钱,有人(记得是新泽西的)发起了class actions,认为BOA故意误导顾客,他设置auto pay pay amount due,但BOA就设置付 minimum due,结果被罚款多次。 但BOA并没有吸取教训,现在还是故意设置障碍,让你很难pay amount due。不知他们是怎么想的。我每个月都要花时间去检查我的BOA credit card payments。而且他家的信用卡没有很好的support,准备弃用。 http://creditcardautopaysettlement.com A settlement has been reached in a class action lawsuit pending in the United States District Court for the District of New Jersey entitled Jette v. Bank of America, N.A., Case No. 2:20-cv-06791-SDW-LDW (the “Action”). In the Action, Plaintiff alleges that Bank of America, N.A. (hereinafter “BANA”), violated the New Jersey Consumer Fraud Act, breached uniform credit card agreements, breached the covenant of good faith and fair dealing, and was unjustly enriched due to its actions in not adequately disclosing that the “Amount Due” payment option offered in connection with BANA's eBill AutoPay for BANA credit cards was the same as paying the “Minimum Amount Due” and would result in payment of only the minimum amount due and not the full amount due, which resulted in customers choosing “Amount Due” when they intended to pay the account balance.
比如说我的一月份statement是28号出来, 那我想的是29或30号就都pay掉, 这样我下个月开始就是0了, 现在这个情况我每次只能pay掉balance的一部分, 看着不清楚每个月花了多少...
我知道statement有, 我的问题是我一般用mint看我所有信用卡花了多少, 如果我能够在每个月底之前把它都付清, 那我就知道我看到的数字是当前这个月的积累的花销.
如果我能够付"当前所有balance", 这样也可以, 就是cycle to cycle, 现在我的问题是我的这几张卡不允许我这样做, 只能是要不付minimum pay, 或者statement balance, 或者fixed amount.
我是BOA 的那个cash reward 卡 和 chase amazon那张, 看来就是有的卡可以有的不能??
我就是希望能像你说的这样干....但是我的选项只能是最多duedate 之前5天, 而且还不能付所有balance
所以我就每次付完了 还有balance在那, 看着就很混乱....
我一般自动付minimum然后自己有时间了登录付full balance 顺便查一查支出有没有错误
手动是有, 我说的是auto pay的时候.
BOA 就是不能选auto pay full balance,只能设个数字, 很是蠢(也可能是故意的。 这样要末你多付了,他hold 你的钱; 要末你付少了,他charge 你利息)
没有吧,只要付了due的balance就不会charge利息了,不用付total balance的
只付minimum是要收利息的
说的对...我觉得也是这样, 或者也有可能大部分人就满足于付statement就够了, 因为反正也没利息了.
那话说回来你有别的卡可以有autopay full balance这个选项吗? 我也考虑不用这个卡了, Merrill edge 太难用...
你的做法才会忘了还钱让银行赚钱
在due date前付了statement balance,和full balance之间的差额不会计算利息 在due date前付了minimum balance,和statement balance之间的差额,如果你忘记在due date之前补足,就会从closing date开始追溯利息
boa可以选付statement balance 不过他家autopay的设置确实跟一般银行不一样,很难用
BOA credit card 设置比较奇怪,不少人由此要多付钱,有人(记得是新泽西的)发起了class actions,认为BOA故意误导顾客,他设置auto pay pay amount due,但BOA就设置付 minimum due,结果被罚款多次。
但BOA并没有吸取教训,现在还是故意设置障碍,让你很难pay amount due。不知他们是怎么想的。我每个月都要花时间去检查我的BOA credit card payments。而且他家的信用卡没有很好的support,准备弃用。
http://creditcardautopaysettlement.com
A settlement has been reached in a class action lawsuit pending in the United States District Court for the District of New Jersey entitled Jette v. Bank of America, N.A., Case No. 2:20-cv-06791-SDW-LDW (the “Action”). In the Action, Plaintiff alleges that Bank of America, N.A. (hereinafter “BANA”), violated the New Jersey Consumer Fraud Act, breached uniform credit card agreements, breached the covenant of good faith and fair dealing, and was unjustly enriched due to its actions in not adequately disclosing that the “Amount Due” payment option offered in connection with BANA's eBill AutoPay for BANA credit cards was the same as paying the “Minimum Amount Due” and would result in payment of only the minimum amount due and not the full amount due, which resulted in customers choosing “Amount Due” when they intended to pay the account balance.
是可以,但就算你设置好了,还会有意外发生的,要手动检查。
为这个问题,BOA已经被告了,是class action,但BOA没有吸取教训啊,现在还有这样的问题。
我认为他们是故意的,因为很多人也不会追究,这样他们就可以盈利。
肯定很多人投诉这个问题的,要改进也非常容易,但他们就是不改,我只能理解他们是故意的。
citi和fidelity都可以付current balance。
刚查了一下,才发现我的chase Citi都是付的statement balance ,不过我一般都是自己提前付了,没感觉 BOA太烂已经注销他们信用卡很久了,不过checking还是用它们家