经验分享：BOA信用卡自动还款有坑-大结局在#29楼

westxi 发表于 2020-9-26 20:59

问客服

问过客服，说让我试试0000或9999，无效，然后客服说她也没办法了。

ltns 发表于 2021-1-30 00:03

问过客服，说让我试试0000或9999，无效，然后客服说她也没办法了。

那只有人肉去branch了

经常打开手机app刷一下，有欠款就手动还了。

vpsdawanjia 发表于 2021-2-4 22:43

经常打开手机app刷一下，有欠款就手动还了。

我卡比较多，美卡和国内卡加起来10个以上银行。

用Excel做了个表来汇总每个还款时间点。

一个月就一次，手工bill pay吧。。。

westxi 发表于 2021-2-5 00:24

我卡比较多，美卡和国内卡加起来10个以上银行。

用Excel做了个表来汇总每个还款时间点。

老哥用Excel专业！不过可以试试随手记那种设定好定时发邮件提醒的，同时也设置自动还款

westxi 发表于 2020-9-26 21:03

这个月的ebill来了，可以看到amt due 和min amt都是$25，account balance却是账单余额。

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我的理解是一般银行amt due都是账单的欠款，account balance是你还款那时候的实际欠款，因为有可能在此之前有其他入账的。BOA这理解是真够坑的！

westxi 发表于 2021-2-5 00:24

我卡比较多，美卡和国内卡加起来10个以上银行。

用Excel做了个表来汇总每个还款时间点。

我也是这个情况，国内8家银行，美国6张卡

除了还款，还是考虑免年费，管理起来确实有点麻烦

不过，为了维持自己的良好信用，花点时间还是值得的。

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不好意思，来打脸了。想不打这么快就迎来了大结局，BOA被告倒真是大快人心：

"Legal Notice about a class action settlement related to Bank of America, N.A. Credit Card Auto Payment

If you currently or formerly (1) have or had a Bank of America credit card, (2) enrolled in Bank of America’s eBill AutoPay for your credit card, (3) selected the “Amount Due” payment option between June 4, 2014 **and March 7, 2021, and (4) as of May 21, 2021, switched your payment option from “Amount Due” to “Account Balance” after making an “Amount Due” payment and being assessed interest from June 4, 2014, a class action lawsuit may affect your rights.

If you currently or formerly (1) have or had a Bank of America credit card, (2) enrolled in Bank of America’s eBill AutoPay for your credit card, (3) selected the “Amount Due” payment option between June 4, 2014 and March 7, 2021, and (4) as of May 21, 2021, switched your payment option from “Amount Due” to “Account Balance” after making an “Amount Due” payment and being assessed interest from June 4, 2014, a class action lawsuit may affect your rights."

A New Jersey district court directed this Notice. This is not a solicitation from a lawyer.

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