Over one year ago I went over my credit limit with interest charges.  This was immediatly paid but within a week I got a letter that my interest rate had jumped from a very low amount to 24%.  I was told in this letter that if I paid my bills monthly on time and no over the limits they would lower the rate back down.

Well I paid my balance from $5600 down to $3400 in one year and was never late on any cards...nor have I even been late on any cards EVER!

I paid well over the minimum and my overall dept for the year was reduced by almost $10,000.

I called Bank of America and was led to believe I needed...